国际信用卡商户行业代码表(MCC-Merchant Category Code)

消费POS单上商户号处编码,此编码从第一位正数到第八位到十一位,为商户类别代码MCC代码,可参照下表进行核对;------------------------------------------------------------------------------正常类商户------------------------------------------------------------------------------- 积分规则：每消费人民币1元积1分商户类别MCC兽医服务0742 农业合作0763 景观美化及园艺服务0780 货物搬运和托运—当地和长途,移动和存储公司,以及当地递送服务4214 船舶、海运服务提供商4468 通讯设备和电话销售4812 计算机网络/信息服务4816 电报服务4821 有线和其他付费电视服务4899 贵重珠宝、首饰,钟表零售5094 大型仓储式家庭用品卖场5200 玻璃、油漆涂料、墙纸零售5231 草坪、花园用品商店5261会员制批量零售店5300 免税商店5309 折扣商店5310 百货商店5311 各类杂货店、便利店5331 其他综合零售5399 大型仓储式超级市场5411 各类肉类零售商5422 糖果及坚果商店5441 乳制品店、冷饮店5451 面包房、糕点商店5462 各类食品店及专门食品零售店5499 男子和男童服装及用品商店5611 妇女成衣商店5621 女性用品商店5631 婴儿、儿童服装店5641 家庭服装商店5651 运动服饰商店5655 鞋店5661 皮货店5681 成人成衣店5691 裁缝、修补、改衣店5697 假发商店5698 各类服装及饰物店5699 帏帐、窗帘、室内装潢商店5714 各种家庭装饰专营店5719 家用电器商店5722 电子设备商店5732 音乐商店－乐器、钢琴、乐谱5733 计算机软件商店5734 音像制品商店5735 包办伙食,宴会承包商5811 就餐场所和餐馆5812 饮酒场所酒吧、酒馆、夜总会、鸡尾酒大厅、迪斯科舞厅5813 快餐店5814 药房、药店5912 瓶装酒零售店5921 旧商品店、二手商品店5931 古玩店——出售、维修及还原5932 当铺5933 海上船只遇难救助5935 古玩复制店5937 自行车商店5940 体育用品店5941 书店5942 文具用品商店、各类办公用品商店5943 银器店5944 玩具、游戏店5945 照相器材商店5946 礼品、卡片、装饰品、纪念品商店5947 箱包、皮具店5948 纺织品及针织品零售5949 玻璃器皿和水晶饰品店5950 直销－保险直销5960 旅游相关服务直销5962 门对门销售5963 目录销售商户5964 目录、零售兼营商户5965 电话呼出直销5966 电话呼入直销5967 订阅/订购直销服务5968 其他直销商户5969 工艺美术商店5970 艺术商和画廊5971 邮票和纪念币商店5972 宗教品商店5973 助听器－销售、服务和用品5975 假肢店整形外科用品、辅助设备5976 化妆品商店5977 打字机商店—销售、服务和出租5978 花店5992 香烟、雪茄专卖店5993 报亭、报摊5994 宠物商店、宠物食品及用品5995 游泳池－销售、供应和服务5996 电动剃须刀商店－销售和服务5997 其他专门零售店5999 金融机构－人工现金支付6010 金融机构－自动现金支付6011 金融机构－商品和服务6012 非金融机构－外币兑换、非电子转账的汇票、临时支付凭证和旅行支票6051 住宿服务旅馆、酒店、汽车旅馆、度假村等7011 分时使用的别墅或度假用房7012 运动和娱乐露营地7032 活动房车场及露营场所7033 洗衣店7210 洗熨服务自助洗衣服务7211 干洗店7216 室内清洁服务地毯、沙发、家具表面的清洁服务7217 摄影工作室7221 美容理发店7230 修鞋店、擦鞋店、帽子清洗店7251 婚姻介绍及陪同服务7273 税收准备服务7276 咨询服务－债务、婚姻和私人事务7277 购物服务及会所贸易、经纪服务7278 出租衣物－服装、制服和正式场合服装7296 按摩店7297 保健及美容SPA7298 未列入其他代码的其他个人服务7299 广告服务7311 消费者信用报告机构7321 商业摄影、工艺、绘图服务7333 复印及绘图服务7338 速记、秘书服务包括各类办公服务7339 灭虫及消毒服务7342 清洁、保养及门卫服务7349 职业中介、临时工7361 计算机编程、数据处理和系统集成设计服务7372 信息检索服务7375 未列入其他代码的计算机维护和修理服务7379 管理、咨询和公共关系服务7392 侦探、保安、安全服务7393 设备、工具、家具和电器出租7394 照相洗印服务7395 未列入其他代码的商业服务7399 停车场7523 电器设备维修7622 空调、制冷设备维修7623 电器设备、小家电维修7629 手表、钟表和首饰维修店7631 家具维修、翻新7641 焊接维修服务7692 各类维修店及相关服务7699 电影和录像创作、发行7829 电影院7832 音像制品出租商店7841 歌舞厅7911 戏剧制片不含电影、演出和票务7922 未列入其他代码的乐队、文艺表演7929 台球、撞球场所7932 保龄球馆7933 商业体育场馆、职业体育俱乐部、运动场和体育推广公司7941 公共高尔夫球场7992 电子游戏供给7993 大型游戏机和游戏场所7994 彩票销售7995 游乐园、马戏团、嘉年华、占卜7996 会员俱乐部体育、娱乐、运动等、乡村俱乐部以及私人高尔夫课程班7997 水族馆、海洋馆和海豚馆7998 光学产品、眼镜店8043 护理和照料服务8050 法律服务和律师事务所服务8111 市民、社会及友爱组织8641 宗教组织8661 其他会员组织8699 建筑、工程和测量服务8911 会计、审计、财务服务8931 未列入其他代码的专业服务8999 国家邮政服务9402--------------------------------------------------------------------批发类商户---------------------------------------------------------------------积分规则：每消费人民币10元积3分商户类别MCC铁路运输4011 本市和市郊通勤旅客运输包括轮渡4111 铁路客运4112 救护车服务4119 出租车服务4121 公路客运4131 快递服务空运、地面运输或海运4215 公共仓储服务－农产品、冷冻品和家用产品4225 轮船及巡游航线服务4411 出租船只4457 航空公司4511 机场服务4582 旅行社4722 路桥通行费4784 未列入其他代码的运输服务4789 电信服务,包括本地和长途电话、信用卡电话、磁卡电话和传真4814 公共事业电力、煤气、自来水、清洁服务4900 木材和各类建材卖场5211 五金商店5251 汽车轮胎经销商5532 汽车零配件商店5533 加油站、服务站5541 自助加油站5542 家具、家庭摆品、家用设备零售商5712 地板商店5713 壁炉、壁炉防护网及配件商店5718 燃料经销商－燃油、木材、煤炭和液化石油5983 不动产管理－物业管理6513 家政服务7295 汽车出租7512 卡车及拖车出租7513 房车和娱乐车辆出租7519 车体维修店7531 轮胎翻新、维修店7534 汽车喷漆店7535 汽车服务商店非经销商7538 洗车7542 拖车服务7549 旅游与展览7991 其他医疗卫生活动8011 牙科医生8021 正骨医生8031 按摩医生8041 眼科医生8042 手足病医生8049 公立医院8062 医学及牙科实验室8071 其他医疗保健服务8099 汽车协会8675 装修、装潢、园艺8912 证券公司－经纪人和经销商6211 保险销售、保险业和保险金6300 殡葬服务7261 函授学校成人教育8241 商业和文秘学校中等专业学校8244 贸易和职业学校职业技能培训8249 其他学校和教育服务8299 儿童保育服务含学前教育8351--------------------------------------------------------------------------------零扣率商户--------------------------------------------------------------------------------- 积分规则：此类商户消费不积分商户类别MCC中小学校公立8211 普通高校公立8220 慈善和社会公益服务组织8398 政治组织政府机构8651 法庭费用,包括赡养费和子女抚养费9211 罚款9222 保释金9223 纳税9311 未列入其他代码的政府服务社会保障服务,国家强制9399 使领馆收费9400 一般承包商－住宅与商业楼1520 机动车供应及零配件批发商5013 办公及商务家具批发商5021 未列入其他代码的建材批发批发商5039 办公、影印及微缩摄影器材批发商5044 计算机、计算机外围设备批发商5045 未列入其他代码的商用器材批发商5046 牙科/实验室/医疗/眼科医院器材和用品批发商5047 金属产品服务商和公司批发商5051 电器零件和设备批发商5065 三金器材及用品批发商5072 管道和供暖设备批发商5074 文具、办公用品、复印纸和书写纸批发商5111 药品、药品经营者批发商5122 布料、缝纫用品和其他纺织品批发商5131 男女及儿童制服和服装批发商5137 鞋类批发商5139 石油及石油产品批发商5172 书、期刊和报纸批发商5192 花木栽种用品、苗木和花卉批发商5193 油漆、清漆用品批发商5198 活动房车销售商5271 汽车货车经销商－新旧车的销售、服务、维修、零件及出租5511 汽车货车经销商－专门从事旧车的销售、服务、维修、零件及出租5521 船只销售商5551 旅行拖车、娱乐用车销售商5561 摩托车商店和经销商5571 露营、房车销售商5592 雪车商5598 汽车、飞行器、农用机车综合经营商5599 其他批发商5998 不动产代理——房地产经纪7013。

VISA MERCHANT CATEGORY CLASSIFICATION (MCC) CODES DIRECTORYMCC MERCHANT TYPE0742 Veterinary Services0763 Agricultural Co-operatives0780 Horticultural Services0780 Landscaping Services1520 General Contractors-Residential and Commercial1711 Air Conditioning Contractors – Sales and Installation1711 Heating Contractors – Sales, Service, Installation1731 Electrical Contractors1740 Insulation – Contractors1740 Masonry, Stonework Contractors1740 Plastering Contractors1740 Stonework and Masonry Contractors1740 Tile Settings Contractors1750 Carpentry Contractors1761 Roofing - Contractors1761 Sheet Metal Work - Contractors1761 Siding - Contractors1771 Contractors – Concrete Work1799 Contractors – Special Trade, Not Elsewhere Classified2741 Miscellaneous Publishing and Printing2791 Typesetting, Plate Making, & Related Services2842 Specialty Cleaning, Polishing, and Sanitation Preparations 3000 UNITED AIRLINES3001 AMERICAN AIRLINES3002 PAN AMERICAN3004 TRANS WORLD AIRLINES3005 BRITISH AIRWAYSMCC MERCHANT TYPE 3006 JAPAN AIRLINES3007 AIR FRANCE3008 LUFTHANSA3009 AIR CANADA3010 KLM (ROYAL DUTCH AIRLINES)3011 AEORFLOT3012 QUANTAS3013 ALITALIA3014 SAUDIA ARABIAN AIRLINES3015 SWISSAIR3016 SAS3017 SOUTH AFRICAN AIRWAYS3018 VARIG (BRAZIL)3020 AIR-INDIA3021 AIR ALGERIE3022 PHILIPPINE AIRLINES3023 MEXICANA3024 PAKISTAN INTERNATIONAL3025 AIR NEW ZEALAND3027 UTA/INTERAIR3028 AIR MALTA3029 SABENA3030 AEROLINEAS ARGENTINAS3031 OLYMPIC AIRWAYS3032 EL AL3033 ANSETT AIRLINES3034 AUSTRAINLIAN AIRLINES3035 TAP (PORTUGAL)3036 VASP (BRAZIL)3037 EGYPTAIRMCC MERCHANT TYPE 3038 KUWAIT AIRLINES3039 AVIANCA3040 GULF AIR (BAHRAIN)3041 BALKAN-BULGARIAN AIRLINES3042 FINNAIR3043 AER LINGUS3044 AIR LANKA3045 NIGERIA AIRWAYS3046 CRUZEIRO DO SUL (BRAZIJ)3047 THY (TURKEY)3048 ROYAL AIR MAROC3049 TUNIS AIR3050 ICELANDAIR3051 AUSTRIAN AIRLINES3052 LANCHILE3053 AVIACO (SPAIN)3054 LADECO (CHILE)3055 LAB (BOLIVIA)3056 QUEBECAIRE3057 EASTWEST AIRLINES (AUSTRALIA)3058 DELTA3060 NORTHWEST3061 CONTINENTAL3062 WESTERN3063 US AIR3065 AIRINTER3066 SOUTHWEST3071 AIR BRITISH COLUBIA3075 SINGAPORE AIRLINES3076 AEROMEXICOMCC MERCHANT TYPE 3077 THAI AIRWAYS3078 CHINA AIRLINES3081 NORDAIR3082 KOREAN AIRLINES3083 AIR AFRIGUE3084 EVA AIRLINES3085 MIDWEST EXPRESS AIRLINES, INC.3087 METRO AIRLINES3088 CROATIA AIRLINES3089 TRANSAERO3094 ZAMBIA AIRWAYS3096 AIR ZIMBABWE3099 CATHAY PACIFIC3100 MALAYSIAN AIRLINE SYSTEM3102 IBERIA3103 GARUDA (INDONESIA)3106 BRAATHENS S.A.F.E. (NORWAY)3110 WINGS AIRWAYS3111 BRITISH MIDLAND3112 WINDWARD ISLAND3117 VIASA3118 VALLEY AIRLINES3125 TAN3126 TALAIR3127 TACA INTERNATIONAL3129 SURINAM AIRWAYS3130 SUN WORLD INTERNATIONAL3133 SUNBELT AIRLINES3135 SUDAN AIRWAYS3137 SINGLETONMCC MERCHANT TYPE 3138 SIMMONS AIRLINES3143 SCENIC AIRLINES3144 VIRGIN ATLANTIC3145 SAN JUAN AIRLINES3146 LUXAIR3151 AIR ZAIRE3154 PRINCEVILLE3159 PBA3161 ALL NIPPON AIRWAYS3164 NORONTAIR3165 NEW YORK HELICOPTER3170 NOUNT COOK3171 CANADIAN AIRLINES INTERNATIONAL 3172 NATIONAIR3176 METROFLIGHT AIRLINES3178 MESA AIR3181 MALEV3182 LOT (POLAND)3184 LIAT3185 LAV (VENEZUELA)3186 LAP (PARAGUAY)3187 LACSA (COSTA RICA)3190 JUGOSLAV AIR3191 ISLAND AIRLINES3192 IRAN AIR3193 INDIAN AIRLINES3196 HAWAIIAN AIR3197 HAVASU AIRLINES3200 FUYANA AIRWAYS3203 GOLDEN PACIFIC AIRMCC MERCHANT TYPE3204 FREEDOM AIR3212 DOMINICANA3215 DAN AIR SERVICES3216 CUMBERLAND AIRLINES3217 CSA3218 CROWN AIR3219 COPA3220 COMPANIA FAUCETT3221 TRANSPORTES AEROS MILITARES ECCUATORANOS 3222 COMMAND AIRWAYS3223 COMAIR3228 CAYMAN AIRWAYS3229 SAETA SOCIAEDAD ECUATORIANOS DE TRANSPORTES AEREOS3231 SASHA SERVICIO AERO DE HONDURAS3233 CAPITOL AIR3234 BWIA3235 BROKWAY AIR3238 BEMIDJI AIRLINES3239 BAR HARBOR AIRLINES3240 BAHAMASAIR3241 AVIATECA (GUATEMALA)3242 AVENSA3243 AUSTRIAN AIR SERVICE3251 ALOHA AIRLINES3252 ALM3253 AMERICA WEST3254 TRUMP AIRLINE3256 ALASKA AIRLINES3259 AMERICAN TRANS AIR3261 AIR CHINAMCC MERCHANT TYPE 3262 RENO AIR, INC.3266 AIR SEYCHELLES3267 AIR PANAMA3280 AIR JAMAICA3282 AIR DJIBOUTI3284 AERO VIRGIN ISLANDS3285 AERO PERU3286 AEROLINEAS NICARAGUENSIS3287 AERO COACH AVAIATION3291 ARIANA AFGHAN3292 CYPRUS AIRWAYS3293 ECUATORIANA3294 ETHIOPIAN AIRLINES3295 KENYA AIRLINES3298 AIR MAURITIUS3299 WIDERO’S FLYVESELSKAP3351 AFFILIATED AUTO RENTAL3352 AMERICAN INTL RENT-A-CAR3353 BROOKS RENT-A-CAR3354 ACTION AUTO RENTAL3357 HERTZ RENT-A-CAR3359 PAYLESS CAR RENTAL3360 SNAPPY CAR RENTAL3361 AIRWAYS RENT-A-CAR3362 ALTRA AUTO RENTAL3364 AGENCY RENT-A-CAR3366 BUDGET RENT-A-CAR3368 HOLIDAY RENT-A-WRECK3370 RENT-A-WRECK3376 AJAX RENT-A-CARMCC MERCHANT TYPE 3381 EUROP CAR3385 TROPICAL RENT-A-CAR3386 SHOWCASE RENTAL CARS3387 ALAMO RENT-A-CAR3389 AVIS RENT-A-CAR3390 DOLLAR RENT-A-CAR3391 EUROPE BY CAR3393 NATIONAL CAR RENTAL3394 KEMWELL GROUP RENT-A-CAR3395 THRIFTY RENT-A-CAR3396 TILDEN TENT-A-CAR3398 ECONO-CAR RENT-A-CAR3400 AUTO HOST COST CAR RENTALS3405 ENTERPRISE RENT-A-CAR3409 GENERAL RENT-A-CAR3412 A-1 RENT-A-CAR3414 GODFREY NATL RENT-A-CAR3419 ALPHA RENT-A-CAR3420 ANSA INTL RENT-A-CAR3421 ALLSTAE RENT-A-CAR3423 AVCAR RENT-A-CAR3425 AUTOMATE RENT-A-CAR3427 AVON RENT-A-CAR3428 CAREY RENT-A-CAR3429 INSURANCE RENT-A-CAR3430 MAJOR RENT-A-CAR3431 REPLACEMENT RENT-A-CAR3432 RESERVE RENT-A-CAR3433 UGLY DUCKLING RENT-A-CAR3434 USA RENT-A-CARMCC MERCHANT TYPE 3435 VALUE RENT-A-CAR3436 AUTOHANSA RENT-A-CAR3437 CITE RENT-A-CAR3438 INTERENT RENT-A-CAR3439 MILLEVILLE RENT-A-CAR3440 VIA ROUTE RENT-A-CAR3501 HOLIDAY INN EXPRESS3501 HOLIDAY INNS3502 BEST WESTERN HOTELS3503 SHERATON HOTELS3504 HILTON HOTELS3505 FORTE HOTELS3506 GOLDEN TULIP HOTELS3507 FRIENDSHIP INNS3508 QUALITY INNS3508 QUALITY SUITES3509 MARRIOTT HOTELS3510 DAYS INN3510 DAYSTOP3511 ARABELLA HOTELS3512 INTER-CONTINENTAL HOTELS3513 WESTIN HOTELS3515 RODEWAY INNS3516 LA QUINTA MOTOR INNS3517 AMERICANA HOTELS3518 SOL HOTELS3519 PULLMAN INTERNATIONAL HOTELS3520 MERIDIEN HOTELS3521 CREST HOTELS (see FORTE HOTELS) 3522 TOKYO HOTELMCC MERCHANT TYPE 3523 PENNSULA HOTEL3524 WELCOMGROUP HOTELS3525 DUNFEY HOTELS3626 PRINCE HOTELS3527 DOWNTOWNER-PASSPORT HOTEL3528 RED LION HOTELS3528 RED LION INNS3529 CP HOTELS3530 RENAISSANCE HOTELS3530 STOUFFER HOTELS3531 ASTIR HOTELS3532 SUN ROUTE HOTELS3533 HOTEL IBIS3534 SOUTHERN PACIFIC HOTELS3535 HILTON INTERNATIONAL3536 AMFAC HOTELS3537 ANA HOTEL3538 CONCORDE HOTELS3540 IBEROTEL HOTELS3541 HOTEL OKURA3542 ROYAL HOTELS3543 FOUR SEASONS HOTELS3544 CIGA HOTELS3545 SHANGRI-LA INTERNATIONAL3548 HOTELES MELIA3549 AUBERGE DES GOVERNEURS3550 REGAL 8 INNS3552 COAST HOTELS3553 PARK INNS INTERNATIONAL3558 JOLLY HOTELSMCC MERCHANT TYPE 3562 COMFORT INNS3563 JOURNEY’S END MOTLS3565 RELAX INNS3568 LADBROKE HOTELS3570 FORUM HOTELS3572 MIYAKO HOTELS3573 SANDMAN HOTELS3574 VENTURE INNS3575 VAGABOND HOTELS3577 MANDARIN ORIENTAL HOTEL3579 HOTEL MERCURE3581 DELTA HOTEL3583 SAS HOTELS3584 PRINCESS HOTELS INTERNATIONAL3585 HUNGAR HOTELS3586 SOKOS HOTELS3587 DORAL HOTELS3588 HELMSLEY HOTELS3590 FAIRMONT HOTELS3591 SONESTA HOTELS3592 OMNI HOTELS3593 CUNARD HOTELS3595 HOSPITALITY INTERNATIONAL3598 REGENT INTERNATIONAL HOTELS3599 PANNONIA HOTELS3603 NOAH’S HOTELS3612 MOVENPICK HOTELS3615 TRAVELODGE3620 TELFORD INTERNATIONAL3622 MERLIN HOTELSMCC MERCHANT TYPE 3623 DORINT HOTELS3625 HOTLE UNIVERSALE3629 DAN HOTELS3633 RANK HOTELS3634 SWISSOTEL3635 RESO HOTELS3636 SAROVA HOTELS3637 RAMADA INNS3637 RAMADA LIMITED3638 HO JO INN3638 HOWARD JOHNSON3639 MOUNT CHARLOTTE THISTLE3640 HYATT HOTEL3641 SOFITEL HOTELS3642 NOVOTEL HOTELS3643 STEIGENBERGER HOTELS3644 ECONO LODGES3645 QUEENS MOAT HOUSES3646 SWALLOW HOTELS3647 HUSA HOTELS3648 DE VERE HOTELS3649 RADISSON HOTELS3650 RED ROOK INNS3651 IMPERIAL LONDON HOTEL3652 EMBASSY HOTELS3653 PENTA HOTELS3654 LOEWS HOTELS3655 SCANDIC HOTELS3656 SARA HOTELS3657 OBEROI HOTELSMCC MERCHANT TYPE 3658 OTANI HOTELS3659 TAJ HOTELS INTERNATIONAL3660 KNIGHTS INNS3661 METROPOLE HOTELS3663 HOTELES EL PRESIDENTS3664 FLAG INN3665 HAMPTON INNS3666 STAKIS HOTELS3668 MARITIM HOTELS3670 ARCARD HOTELS3671 ARCTIA HOTELS3672 CAMPANIEL HOTELS3673 IBUSZ HOTELS3674 RANTASIPI HOTELS3675 INTERHOTEL CEDOK3677 CLIMAT DE FRANCE HOTELS3678 CUMULUS HOTELS3679 DANUBIUS HOTEL3681 ADAMS MARK HOTELS3682 ALLSTAR INNS3684 BUDGET HOST INNS3685 BUDGETEL HOTELS3686 SUISSE CHALETS3687 CLARION HOTELS3688 COMPRI HOTELS3688 COMPRI HOTELS3690 COURTYARD BY MARRIOTT3689 CONSORT HOTELS3691 DILLION INNS3692 DOUBLETREE HOTELSMCC MERCHANT TYPE3693 DRURY INNS3694 ECONOMY INNS OF AMERICA3695 EMBASSY SUITES3696 EXEL INNS3697 FARFIELD HOTELS3698 HARLEY HOTELS3699 MIDWAY MOTOR LODGE3700 MOTEL 63701 GUEST QUARTERS (Formally PICKETT SUITE HOTELS) 3702 THE REGISTRY HOTELS3703 RESIDENCE INNS3704 ROYCE HOTELS3705 SANDMAN INNS3706 SHILO INNS3707 SHONEY’S INNS3709 SUPER8 MOTELS3710 THE RITZ CARLTON HOTELS3711 FLAG INNS (AUSRALIA)3712 GOLDEN CHAIN HOTEL3713 QUALITY PACIFIC HOTEL3714 FOUR SEASONS HOTEL (AUSTRALIA)3715 FARIFIELD INN3716 CARLTON HOTELS3717 CITY LODGE HOTELS3718 KAROS HOTELS3719 PROTEA HOTELS3720 SOUTHERN SUN HOTELS3721 HILTON CONRAD3722 WYNDHAM HOTEL AND RESORTS3723 RICA HOTELSMCC MERCHANT TYPE 3724 INER NOR HOTELS3725 SEAINES PLANATION3726 RIO SUITES3727 BROADMOOR HOTEL3728 BALLY’S HOTEL AND CASINO3729 JOHN ASCUAGA’S NUGGET3730 MGM GRAND HOTEL3731 HARRAH’S HOTELS AND CASINOS3732 OPRYLAND HOTEL3733 BOCA RATON RESORT3734 HARVEY/BRISTOL HOTELS3835*MASTERS ECONOMY INNS3736 COLORADO BELLE/EDGEWATER RESORT 3737 RIVIERA HOTEL AND CASINO3738 TROPICANA RESORT AND CASINO3739 WOODSIDE HOTELS AND RESORTS3740 TOWNPLACE SUITES3741 MILLENIUM BROADWAY HOTEL3742 CLUB MED3743 BILTMORE HOTEL AND SUITES3744 CAREFREE RESORTS3745 ST. REGIS HOTEL3746 THE ELIOT HOTEL3747 CLUBCORP/CLUB RESORTS3748 WELESLEY INNS3749 THE BEVERLY HILLS HOTEL3750 CROWNE PLAZA HOTELS3751 HOMEWOOD SUITES3752 PEABODY HOTELS3753 GREENBRIAH RESORTSMCC MERCHANT TYPE3754 AMELIA ISLAND PLANATION3755 THE HOMESTEAD3756 SOUTH SEAS RESORTS4111 Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.4112 Passenger Railways4119 Ambulance Services4121 Taxicabs and Limousines4131 Bus Lines, Including Charters, Tour Buses4131 Tour Buses4214 Delivery Services – Local4214 Freight Carriers4214 Motor Freight Carriers4214 Moving and Storage Companies4214 Trucking – Local/Long Distance4215 Courier Services – Air or Ground4215 Fright Forwarders4225 Storage4225 Warehousing, Public4411 Cruise Lines4411 Steamship Lines4457 Boat Rentals and Leases4468 Marinas, Marine Service, and Supplies4511 Airlines, Air Carriers ( not listed elsewhere)4582 Airports, Airport Terminals4582 Flying Fields4722 Travel Agencies and Tour Operations4723 Package Tour Operators (For use in Germany only)4784 Toll and Bridge Fees4789 Transportation Services, Not elsewhere classified)4812 Telecommunications Equipment including telephone salesMCC MERCHANT TYPE4814 Fax services4814 Telecommunication service including local and long distance calls, credit card calls, calls through use of magnetic-strip readingtelephones and fax services4815 VisaPhone4821 Telegraph services4829 Money Orders – Wire Transfer4899 Cable and other pay television (previously Cable Services)4900 Electric, Gas, Sanitary and Water Utilities5013 Motor vehicle supplies and new parts5021 Office and Commercial Furniture5039 Construction Materials, Not Elsewhere Classified5044 Office, Photographic, Photocopy, and Microfilm Equipment5045 Computers, Computer Peripheral Equipment, Software5046 Commercial Equipment, Not Elsewhere Classified5047 Medical, Dental Ophthalmic, Hospital Equipment and Supplies 5051 Metal Service Centers and Offices5065 Electrical Parts and Equipment5072 Hardware Equipment and Supplies5074 Plumbing and Heating Equipment and Supplies5085 Industrial Supplies, Not Elsewhere Classified5094 Precious Stones and Metals, Watches and Jewelry5099 Durable Goods, Not Elsewhere Classified5111 Stationery, Office Supplies, Printing, and Writing Paper5122 Drugs, Drug Proprietors, and Druggist’s Sundries5131 Piece Goods, Notions, and Other Dry Goods5137 Men’s Women’s and Children’s Uniforms and Commercial Clothing 5139 Commercial Footwear5169 Chemicals and Allied Products, Not Elsewhere Classified5172 Petroleum and Petroleum Products5192 Books, Periodicals, and NewspapersMCC MERCHANT TYPE5193 Florists’ Supplies, Nursery Stock and Flowers5198 Paints, Varnishes, and Supplies5199 Non-durable Goods, Not Elsewhere Classified5200 Home Supply Warehouse Stores5211 Lumber and Building Materials Stores5231 Glass Stores5231 Paint and Wallpaper Stores5231 Wallpaper Stores5251 Hardware Stores5261 Nurseries – Lawn and Garden Supply Store5271 Mobile Home Dealers5300 Wholesale Clubs5309 Duty Free Store5310 Discount Stores5311 Department Stores5331 Variety Stores5399 Misc. General Merchandise5411 Grocery Stores5411 Supermarkets5422 Freezer and Locker Meat Provisioners5422 Meat Provisioners – Freezer and Locker5441 Candy Stores5441 Confectionery Stores5441 Nut Stores5451 Dairy Products Stores5462 Bakeries5499 Misc. Food Stores – Convenience Stores and Specialty Markets 5511 Car and Truck Dealers (New and Used) Sales, Service, Repairs, Parts, and Leasing5521 Automobile and Truck Dealers (Used Only)5531 Automobile Supply StoresMCC MERCHANT TYPE5532 Automotive Tire Stores5533 Automotive Parts, Accessories Stores5541 Service Stations ( with or without ancillary services)5542 Automated Fuel Dispensers5551 Boat Dealers5561 Recreational and Utility Trailers, Camp Dealers5571 Motorcycle Dealers5592 Motor Home Dealers5598 Snowmobile Dealers5611 Men’s and Boy’s Clothing and Accessories Stores5621 Women’s Ready-to-Wear Stores5631 Women’s Accessory and Specialty Shops5641 Children’s and Infant’s Wear Stores5651 Family Clothing Stores5655 Sports Apparel, Riding Apparel Stores5661 Shoe Stores5681 Furriers and Fur Shops5691 Men’s and Women’s Clothing Stores5697 Tailors, Seamstress, Mending, and Alterations5698 Wig and Toupee Stores5699 Miscellaneous Apparel and Accessory Shops5712 Furniture, Home Furnishings, and Equipment Stores, Except Appliances5713 Floor Covering Stores5714 Drapery, Window Covering and Upholstery Stores5718 Fireplace, Fireplace Screens, and Accessories Stores 5719 Miscellaneous Home Furnishing Specialty Stores5722 Household Appliance Stores5732 Electronic Sales5733 Music Stores, Musical Instruments, Piano Sheet Music 5734 Computer Software StoresMCC MERCHANT TYPE5735 Record Shops5811 Caterers5812 Eating places and Restaurants5813 Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques5814 Fast Food Restaurants5912 Drug Stores and Pharmacies5921 Package Stores – Beer, Wine, and Liquor5931 Used Merchandise and Secondhand Stores5832 Antique Shops – Sales, Repairs, and Restoration Services 5933 Pawn Shops and Salvage Yards5935 Wrecking and Salvage Yards5937 Antique Reproductions5940 Bicycle Shops – Sales and Service5941 Sporting Goods Stores5942 Book Stores5943 Stationery Stores, Office and School Supply Stores5944 Watch, Clock, Jewelry, and Silverware Stores5945 Hobby, Toy, and Game Shops5946 Camera and Photographic Supply Stores5947 Card Shops, Gift, Novelty, and Souvenir Shops5948 Leather Foods Stores5949 Sewing, Needle, Fabric, and Price Goods Stores5950 Glassware/Crystal Stores5960 Direct Marketing- Insurance Service5961 Mail Order Houses Including Catalog Order Stores, Book/Record Clubs (No longer permitted for U.S. original presentments)5962 Direct Marketing – Travel Related Arrangements Services5963 Door-to-Door Sales5964 Direct Marketing – Catalog Merchant5965 Direct Marketing – Catalog and Catalog and Retail MerchantMCC MERCHANT TYPE5966 Direct Marketing- Outbound Telemarketing Merchant5967 Direct Marketing – Inbound Teleservices Merchant5968 Direct Marketing – Continuity/Subscription Merchant5969 Direct Marketing – Not Elsewhere Classified5970 Artist’s Supply and Craft Shops5971 Art Dealers and Galleries5972 Stamp and Coin Stores – Philatelic and Numismatic Supplies 5973 Religious Goods Stores5975 Hearing Aids – Sales, Service, and Supply Stores5976 Orthopedic Goods Prosthetic Devices5977 Cosmetic Stores5978 Typewriter Stores – Sales, Rental, Service5983 Fuel – Fuel Oil, Wood, Coal, Liquefied Petroleum5992 Florists5993 Cigar Stores and Stands5994 News Dealers and Newsstands5995 Pet Shops, Pet Foods, and Supplies Stores5996 Swimming Pools – Sales, Service, and Supplies5997 Electric Razor Stores – Sales and Service5998 Tent and Awning Shops5999 Miscellaneous and Specialty Retail Stores6010 Financial Institutions – Manual Cash Disbursements6011 Financial Institutions – Manual Cash Disbursements6012 Financial Institutions – Merchandise and Services6051 Non-Financial Institutions – Foreign Currency, Money Orders (not wire transfer) and Travelers Cheques6211 Security Brokers/Dealers6300 Insurance Sales, Underwriting, and Premiums6381 Insurance Premiums, (no longer valid for first presentment work) 6399 Insurance, Not Elsewhere Classified ( no longer valid for first presentment work)MCC MERCHANT TYPE7011 Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)7012 Timeshares7032 Sporting and Recreational Camps7033 Trailer Parks and Camp Grounds7210 Laundry, Cleaning, and Garment Services7211 Laundry – Family and Commercial7216 Dry Cleaners7217 Carpet and Upholstery Cleaning7221 Photographic Studios7230 Barber and Beauty Shops7251 Shop Repair Shops and Shoe Shine Parlors, and Hat Cleaning Shops7261 Funeral Service and Crematories7273 Dating and Escort Services7276 Tax Preparation Service7277 Counseling Service – Debt, Marriage, Personal7278 Buying/Shopping Services, Clubs7296 Clothing Rental – Costumes, Formal Wear, Uniforms7297 Massage Parlors7298 Health and Beauty Shops7299 Miscellaneous Personal Services ( not elsewhere classifies) 7311 Advertising Services7321 Consumer Credit Reporting Agencies7332 Blueprinting and Photocopying Services7333 Commercial Photography, Art and Graphics7338 Quick Copy, Reproduction and Blueprinting Services7339 Stenographic and Secretarial Support Services7342 Disinfecting Services7342 Exterminating and Disinfecting Services7349 Cleaning and Maintenance, Janitorial ServicesMCC MERCHANT TYPE7361 Employment Agencies, Temporary Help Services7372 Computer Programming, Integrated Systems Design and Data Processing Services7375 Information Retrieval Services7379 Computer Maintenance and Repair Services, Not Elsewhere Classified7392 Management, Consulting, and Public Relations Services7393 Protective and Security Services – Including Armored Cars and Guard Dogs7394 Equipment Rental and Leasing Services, Tool Rental, Furniture Rental, and Appliance Rental7395 Photofinishing Laboratories, Photo Developing7399 Business Services, Not Elsewhere Classified7512 Car Rental Companies ( Not Listed Below)7513 Truck and Utility Trailer Rentals7519 Motor Home and Recreational Vehicle Rentals7523 Automobile Parking Lots and Garages7531 Automotive Body Repair Shops7534 Tire Re-treading and Repair Shops7535 Paint Shops – Automotive7538 Automotive Service Shops7542 Car Washes7549 Towing Services7622 Radio Repair Shops7623 Air Conditioning and Refrigeration Repair Shops7629 Electrical And Small Appliance Repair Shops7631 Watch, Clock, and Jewelry Repair7641 Furniture, Furniture Repair, and Furniture Refinishing7692 Welding Repair7699 Repair Shops and Related Services –Miscellaneous7829 Motion Pictures and Video Tape Production and Distribution 7832 Motion Picture TheatersMCC MERCHANT TYPE7841 Video Tape Rental Stores7911 Dance Halls, Studios and Schools7922 Theatrical Producers (Except Motion Pictures), Ticket Agencies 7929 Bands, Orchestras, and Miscellaneous Entertainers (NotElsewhere Classified)7932 Billiard and Pool Establishments7933 Bowling Alleys7941 Commercial Sports, Athletic Fields, Professional Sport Clubs, and Sport Promoters7991 Tourist Attractions and Exhibits7992 Golf Courses – Public7993 Video Amusement Game Supplies7994 Video Game Arcades/Establishments7995 Betting (including Lottery Tickets, Casino Gaming Chips, Off-track Betting and Wagers)7996 Amusement Parks, Carnivals, Circuses, Fortune Tellers7997 Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses7998 Aquariums, Sea-aquariums, Dolphinariums7999 Recreation Services (Not Elsewhere Classified)8011 Doctors and Physicians (Not Elsewhere Classified)8021 Dentists and Orthodontists8031 Osteopaths8041 Chiropractors8042 Optometrists and Ophthalmologists8043 Opticians, Opticians Goods and Eyeglasses8044 Opticians, Optical Goods, and Eyeglasses (no longer valid for first presentments)8049 Podiatrists and Chiropodists8050 Nursing and Personal Care Facilities8062 Hospitals8071 Medical and Dental LaboratoriesMCC MERCHANT TYPE8099 Medical Services and Health Practitioners (Not ElsewhereClassified)8111 Legal Services and Attorneys8211 Elementary and Secondary Schools8220 Colleges, Junior Colleges, Universities, and Professional Schools 8241 Correspondence Schools8244 Business and Secretarial Schools8249 Vocational Schools and Trade Schools8299 Schools and Educational Services ( Not Elsewhere Classified) 8351 Child Care Services8398 Charitable and Social Service Organizations8641 Civic, Fraternal, and Social Associations8651 Political Organizations8661 Religious Organizations8675 Automobile Associations8699 Membership Organizations ( Not Elsewhere Classified)8734 Testing Laboratories ( non-medical)8911 Architectural – Engineering and Surveying Services8931 Accounting, Auditing, and Bookkeeping Services8999 Professional Services ( Not Elsewhere Defined)9211 Court Costs, including Alimony and Child Support9222 Fines9223 Bail and Bond Payments9311 Tax Payments9399 Government Services ( Not Elsewhere Classified)9402 Postal Services – Government Only9405 Intra – Government Transactions9700 Automated Referral Service ( For Visa Only)9701 Visa Credential Service ( For Visa Only)9702 GCAS Emergency Services ( For Visa Only)9950 Intra – Company Purchases ( For Visa Only)。

mcc代码含义（MCC code meaning）Normal merchant-------------------------------------------------------------------------------Rule of integration: 1 RMB for each consumption and 1 yuan for each productMerchant category MCCVeterinary service 0742Agricultural cooperation 0763Landscaping and gardening services 0780Cargo handling and shipping - local and long distance, mobile and storage companies, and local delivery services 4214Shipping and maritime service provider 4468Communications equipment and telephone sales 4812Computer network / information service 4816Telegraph service 4821Cable and other pay TV services 4899Valuable jewelry, jewelry, watches retail 5094Large warehouse type household goods store 5200Glass, paint, wallpaper retail 5231Lawn and garden supplies store 5261Membership based bulk retail store 5300Duty-free shop 5309Discount store 5310Department store 5311All kinds of grocery stores, convenience stores 5331Other comprehensive retail 5399Large warehouse supermarket 5411Meat retailers 5422Candy and nut store 5441Dairy shops, cold drinks stores 5451Bakery and pastry store 5462All kinds of food stores and specialty food retail stores 5499Men and boys clothing and supplies store 5611 Women's clothing store 5621Women's stores 5631Baby and children's clothing store 5641Family clothing store 5651Sportswear store 5655Shoe store 5661Shop 5681Adult ready store 5691Tailoring, mending, changing clothes shop 5697Wig store 5698All kinds of clothing and accessories shop 5699 The curtains and upholstery, drapery shop 5714A variety of family decoration franchise store 5719 Home appliance store 5722Electronic equipment store 5732Music store - instrument, piano, score 5733Computer software store 5734Audio and video products store 5735Arranged meals, banquet contractors 5811Dining places and restaurants 5812Drinking places (bars, pubs, nightclubs, cocktail halls, discos) 5813Snack bar 5814Pharmacy, pharmacy 5912Bottled wine retail store 5921Old commodity shop, used goods store 5931Curio shop -- selling, repairing and restoring 5932Pawnshop 5933Salvage of shipwreck at sea 5935Antique copy shop 5937Bicycle store 5940Sporting goods store 5941Bookstore 5942Stationery stores, all kinds of office supplies store 5943 Silverware shop 5944Toys, games shop 5945Photographic equipment store 5946Gifts, cards, decorations, souvenir shops 5947Luggage & leather store 5948Retail of textiles and knitwear 5949Glassware and crystal jewelry store 5950Direct selling insurance direct selling 5960Tourism related services direct marketing 5962Door to door sales of 5963Catalog sales merchant 5964Catalogue, retail run merchant 5965Call out direct 5966Direct incoming call 5967Subscribe / order direct service 5968Other direct selling merchants 5969Arts and crafts store 5970Art dealer and gallery 5971Stamps and commemorative coin store 5972Religious products store 5973Hearing aids - sales, services and supplies 5975Prosthetic shop (plastic surgery supplies, assistive devices) 5976Cosmetics store 5977Typewriter Stores - sales, services, and rentals 5978Florist 5992Cigarette and cigar store 5993Newsstand, newsstand 5994Pet shops, pet food and supplies 5995Swimming pool sales, supply and service 5996Electric razor Stores - sales and services 5997Other specialized retail stores 5999Financial institutions - artificial cash payments 6010Financial institutions - automatic cash payment 6011Financial institutions - goods and services 6012Non financial institutions - foreign currency exchange, non electronic transfer bills, temporary payment vouchers and traveler's checks 6051Accommodation services (hotels, hotels, motels, resorts, etc) 7011Timeshare villa or resort 7012Camping sites for sports and recreation 7032RV and camping 7033Laundry 7210Laundry service (laundry service) 7211Dry cleaners 7216Indoor cleaning service (carpet, sofa, furniture surface cleaning service) 7217Photography studio 7221Beauty barber shop 7230The shop, shoe shop, hat cleaning shop 7251Marriage introduction and escort service 7273Tax preparation service 7276Advisory services - debt, marriage and private affairs 7277Shopping services and clubs (trade, brokerage services) 7278Rental clothing - uniforms, uniforms and formal occasions clothing 7296Massage shop 7297Health care and beauty SPA 7298Other personal services not included in other codes 7299Advertising service 7311Consumer credit reporting agency 7321Commercial photography, process and drawing services 7333Copy and drawing service 7338Shorthand, secretarial services (including office services) 7339Pest control and disinfection services 7342Cleaning, maintenance and concierge services 7349Professional intermediary, temporary worker 7361Computer programming, data processing and system integration design service 7372Information retrieval service 7375Computer maintenance and repair services not included in other codes 7379Management, consulting and public relations services 7392Detective, security, security services 7393Equipment, tools, furniture and appliances rental 7394Photofinishing services 7395Commercial services not included in other codes 7399Parking lot 7523Electrical equipment maintenance 7622Air conditioning and refrigeration equipment maintenance 7623Electrical equipment, small appliances maintenance 7629Watch, watch and jewelry repair shop 7631Furniture repair and renovation 7641Welding service 7692All kinds of repair shop and related services 7699Film and video creation and distribution 7829Cinema 7832Audio and video products rental store 7841Song and dance hall 7911Drama production (excluding movies), performance and ticketing 7922Bands and literary performances not included in other codes 79297932 billiards, billiards placesBowling alley 7933Commercial stadiums, professional sports clubs, sports venues and sports promotion company 7941Public golf course 7992Video games supply 7993Large games consoles and games places 7994Lottery sales 7995Amusement parks, circus, carnival, fortune telling 7996Member clubs (sports, entertainment, sports, etc.), rural clubs and private golf classes 7997Aquarium, Ocean Museum and dolphin Museum 7998Optical products, optical store 8043Nursing and care services 8050Legal services and law firm services 8111Civic, social and fraternal organizations 8641Religious organization 8661Other member organizations 8699Building, engineering and surveying services 8911Accounting, auditing and financial services 8931Professional services not included in other codes 8999National postal service 9402PressWholesale merchant---------------------------------------------------------------------Rule of integration: 10 RMB for each consumption and 3 yuan for each productMerchant category MCCRailway transportation 4011Commuter passenger transport (including ferry) in the city and suburban areas 4111Railway passenger transport 4112Ambulance service 4119Taxi service 4121Highway passenger transport 4131Express Service (air transportation, ground transportation or sea transportation) 4215Public warehousing services - agricultural products, frozen products and household products 4225Ship and cruise service 4411Rental vessel 4457Airline 4511Airport service 4582Travel agency 4722Luqiao toll 4784Transport services not included in other codes 4789Telecommunications services include local and long-distance calls, credit card calls, magnetic card telephony and fax 4814Utilities (electricity, gas, tap water, cleaning services) 4900Timber and various building materials stores 5211Hardware store 5251Auto tire dealer 5532Auto parts store 5533Gas station, service station 5541Self service gas station 5542Furniture, home appliances, home appliance retailer 5712Floor store 5713Fireplace, fireplace protective nets and accessories store 5718Fuel distributors - fuel, wood, coal and liquefied petroleum 5983Real estate management property management 6513Housekeeping service 7295Car rental 7512Truck and trailer rental 7513RV and recreational vehicle rental 7519Car repair shop 7531Tire retreading and repair shop 7534Car spray shop 7535Auto service shop (non dealer) 7538Car wash 7542Trailer service 7549Tourism and Exhibition 7991Other medical and health activities 8011 Dentist 80218031 orthopedic doctorMassage doctor 8041Ophthalmologist 8042Hand foot disease doctor 8049Public hospital 8062Medical and dental laboratory 8071Other health care services 8099Automobile Association 8675Decoration, decoration, gardening 8912Securities companies - brokers and dealers 6211Insurance sales, insurance and insurance 6300Funeral service 7261Correspondence school (Adult Education) 8241Business and secretarial school (secondary vocational school) 8244Trade and vocational schools (vocational skills training) 8249Other schools and educational services 8299Childcare services (including preschool education) 8351--------------------------------------------------------------------------------Zero rate merchant---------------------------------------------------------------------------------Integral rule: the consumption of such merchants is not integralMerchant category MCCPrimary and secondary schools (public) 8211Colleges and universities (public) 8220Charity and social welfare service organization 8398Political organizations (government agencies) 8651Court costs, including alimony and child support, 9211Fine 9222Bail 9223Tax 9311Government services (social security services, state enforcement) not included in other codes (9399)Embassies and consulates charge 9400General contractor housing and commercial building 1520Motor vehicle supply and spare parts (wholesalers) 5013Office and business furniture (wholesaler) 5021Building materials wholesale (wholesalers) not included in other codes 5039Office, photocopying and microfilm equipment (wholesalers) 5044Computer, computer peripheral equipment (wholesaler) 5045Commercial equipment (wholesalers) not included in other codes 5046Dental / laboratory / medical / ophthalmic hospital equipment and supplies (wholesalers) 5047Metal products service providers and companies (wholesalers) 5051Electrical parts and equipment (wholesalers) 5065Sanjin equipment and supplies (wholesalers) 5072Plumbing and heating equipment (wholesalers) 5074Stationery, office supplies, copy paper and writing paper (wholesalers) 5111Drug and drug dealers (wholesalers) 5122Cloth, sewing and other textiles (wholesalers) 5131Uniforms for men and women and children (wholesalers) 5137Footwear (wholesalers) 5139Petroleum and petroleum products (wholesalers) 5172Books, periodicals and newspapers (wholesalers) 5192Flowers, plants, nursery stock and flowers (wholesalers) 5193Paint and varnish products (wholesalers) 5198Caravan 5271Auto Dealer - sales, service, maintenance, spare parts and rental of new old car 5511Car Dealer - specializes in the sale, service, maintenance, spare parts and rental of used cars 5521Ship seller 5551Travel trailer, recreational vehicle dealer 5561Motorcycle stores and distributors 5571Camping and RV dealers 5592Taking 5598 snowAutomobile, aircraft and agricultural locomotive operator 5599Other wholesalers 5998Real estate agent -- real estate broker 701。

Merchant Category Codes | Table of Contents Table of ContentsOverview (2)About This Manual (2)General Merchant Category CodesMCCs 0001–1499 (Agricultural Services) (3)MCCs 1500–2999 (Contracted Services) (3)MCCs 4000–4799 (Transportation Services) (4)MCCs 4800–4999 (Utility Services) (5)MCCs 5000–5599 (Retail Outlet Services) (5)MCCs 5600–5699 (Clothing Stores) (7)MCCs 5700–7299 (Miscellaneous Stores) (8)MCCs 7300–7999 (Business Services) (11)MCCs 8000–8999 (Professional Servicesand Membership Organizations) (13)MCCs 9000–9999 (Government Services) (14)Travel and Entertainment (T&E) Merchant Category Codes MCCs 3000–3299 (Airlines) (15)MCCs 3300–3499 (Car Rental) (25)MCCs 3500–3999 (Lodging) ...............................................26Figures1-1. Payment Brand Abbreviations (2)2-1. Agricultural Services MCCs (3)3-1. Contracted Services MCCs (3)4-1. Transportation Services MCCs (4)5-1. Utility Services MCCs (5)6-1. Retail Outlet Services MCCs (5)7-1. Clothing Stores MCCs (7)8-1. Miscellaneous Stores MCCs (8)9-1. Business Services MCCs (11)10-1. Professional Services and MembershipOrganizations MCCs (13)11-1. Government Services MCCs (14)12-1. Airline MCCs (15)13-1. Car Rental MCCs (25)14-1. Lodging MCCs (26)Merchant Category Codes | OverviewOverviewPayment brands use merchant category codes (MCCs) to classify merchants and businesses by the type of goods or services provided. Payment brands, issuers and acquirers can use MCCsto categorize, track and restrict transactions. MCCs can be used for tax reporting, interchange promotion and gathering information about cardholder purchasing behavior.Often, MCCs are recognized by all payment brands; however, not all codes are recognized by all brands. Payment brands frequently add, eliminate or change the codes with regularly-scheduled enhancements.About This ManualThis manual lists MCCs, the descriptions of the codes, and the payment brand(s) for which the codes are valid. The descriptions can differ slightly between payment brands. The following table has information about the abbreviation used for each payment brand.Figure 1-1. Payment Brand AbbreviationsGeneral Merchant Category CodesMCCs 0001–1499 (Agricultural Services)The following table includes a list of MCCs in the range 0001–1499 and the description for each code.Figure 2-1. Agricultural Services MCCsMCCs 1500–2999 (Contracted Services)The following table includes a list of MCCs in the range 1500–2999 and the description for each code.Figure 3-1. Contracted Services MCCsMCCs 4000–4799 (Transportation Services)The following table includes a list of MCCs in the range 4000–4799 and the description for each code.Figure 4-1. Transportation Services MCCsMCCs 4800–4999 (Utility Services)The following table includes a list of MCCs in the range 4800–4999 and the description for each code.Figure 5-1. Utility Services MCCsMCCs 5000–5599 (Retail Outlet Services)The following table includes a list of MCCs in the range 5000–5599 and the description for each code.Figure 6-1. Retail Outlet Services MCCsMCCs 5600–5699 (Clothing Stores)The following table includes a list of MCCs in the range 5600–5699 and the description for each code.Figure 7-1. Clothing Stores MCCsMCCs 5700–7299 (Miscellaneous Stores)The following table includes a list of MCCs in the range 5700–7299 and the description for each code.Figure 8-1. Miscellaneous Stores MCCsMCCs 7300–7999 (Business Services)The following table includes a list of MCCs in the range 7300–7999 and the description for each code.Figure 9-1. Business Services MCCsMCCs 8000–8999 (Professional Services and Membership Organizations)The following table includes a list of MCCs in the range 8000–8999 and the description for each code.Figure 10-1. Professional Services and Membership Organizations MCCsMCCs 9000–9999 (Government Services)The following table includes a list of MCCs in the range 9000–9999 and the description for each code.Figure 11-1. Government Services MCCsTravel and Entertainment (T&E)Merchant Category CodesMCCs 3000–3299 (Airlines)The following table includes a list of MCCs in the range 3000-3299 and the description for each code. In addition, the following information applies:• Visa and MasterCard require specific abbreviations for airline MCCs.Important: The listing in this chapter includes values from Visa and MasterCard since these payment brands have published airline MCCs.Figure 12-1. Airline MCCsMCCs 3300–3499 (Car Rental)• The following table includes a list of MCCs in the range 3300-3499 and the description for each code.Important: The listing in this chapter includes values from Visa and MasterCard since these payment brands have published car rental MCCs.MCCs 3500–3999 (Lodging)The following table includes a list of MCCs in the range 3500-3999 and the description for each code. Important: The listing in this chapter includes values from Visa and MasterCard since these payment brands have published lodging MCCs.Figure 14-1. Lodging MCCsTreasury and Trade Solutions/treasuryandtradesolutions。

VISA MERCHANT CATEGORY CLASSIFICATION (MCC) CODES DIRECTORYMCC MERCHANT TYPE0742 Veterinary Services0763 Agricultural Co-operatives0780 Horticultural Services0780 Landscaping Services1520 General Contractors-Residential and Commercial1711 Air Conditioning Contractors – Sales and Installation1711 Heating Contractors – Sales, Service, Installation1731 Electrical Contractors1740 Insulation – Contractors1740 Masonry, Stonework Contractors1740 Plastering Contractors1740 Stonework and Masonry Contractors1740 Tile Settings Contractors1750 Carpentry Contractors1761 Roofing - Contractors1761 Sheet Metal Work - Contractors1761 Siding - Contractors1771 Contractors – Concrete Work1799 Contractors – Special Trade, Not Elsewhere Classified2741 Miscellaneous Publishing and Printing2791 Typesetting, Plate Making, & Related Services2842 Specialty Cleaning, Polishing, and Sanitation Preparations 3000 UNITED AIRLINES3001 AMERICAN AIRLINES3002 PAN AMERICAN3004 TRANS WORLD AIRLINES3005 BRITISH AIRWAYSMCC MERCHANT TYPE 3006 JAPAN AIRLINES3007 AIR FRANCE3008 LUFTHANSA3009 AIR CANADA3010 KLM (ROYAL DUTCH AIRLINES)3011 AEORFLOT3012 QUANTAS3013 ALITALIA3014 SAUDIA ARABIAN AIRLINES3015 SWISSAIR3016 SAS3017 SOUTH AFRICAN AIRWAYS3018 VARIG (BRAZIL)3020 AIR-INDIA3021 AIR ALGERIE3022 PHILIPPINE AIRLINES3023 MEXICANA3024 PAKISTAN INTERNATIONAL3025 AIR NEW ZEALAND3027 UTA/INTERAIR3028 AIR MALTA3029 SABENA3030 AEROLINEAS ARGENTINAS3031 OLYMPIC AIRWAYS3032 EL AL3033 ANSETT AIRLINES3034 AUSTRAINLIAN AIRLINES3035 TAP (PORTUGAL)3036 VASP (BRAZIL)3037 EGYPTAIRMCC MERCHANT TYPE 3038 KUWAIT AIRLINES3039 AVIANCA3040 GULF AIR (BAHRAIN)3041 BALKAN-BULGARIAN AIRLINES3042 FINNAIR3043 AER LINGUS3044 AIR LANKA3045 NIGERIA AIRWAYS3046 CRUZEIRO DO SUL (BRAZIJ)3047 THY (TURKEY)3048 ROYAL AIR MAROC3049 TUNIS AIR3050 ICELANDAIR3051 AUSTRIAN AIRLINES3052 LANCHILE3053 AVIACO (SPAIN)3054 LADECO (CHILE)3055 LAB (BOLIVIA)3056 QUEBECAIRE3057 EASTWEST AIRLINES (AUSTRALIA)3058 DELTA3060 NORTHWEST3061 CONTINENTAL3062 WESTERN3063 US AIR3065 AIRINTER3066 SOUTHWEST3071 AIR BRITISH COLUBIA3075 SINGAPORE AIRLINES3076 AEROMEXICOMCC MERCHANT TYPE 3077 THAI AIRWAYS3078 CHINA AIRLINES3081 NORDAIR3082 KOREAN AIRLINES3083 AIR AFRIGUE3084 EVA AIRLINES3085 MIDWEST EXPRESS AIRLINES, INC.3087 METRO AIRLINES3088 CROATIA AIRLINES3089 TRANSAERO3094 ZAMBIA AIRWAYS3096 AIR ZIMBABWE3099 CATHAY PACIFIC3100 MALAYSIAN AIRLINE SYSTEM3102 IBERIA3103 GARUDA (INDONESIA)3106 BRAATHENS S.A.F.E. (NORWAY)3110 WINGS AIRWAYS3111 BRITISH MIDLAND3112 WINDWARD ISLAND3117 VIASA3118 VALLEY AIRLINES3125 TAN3126 TALAIR3127 TACA INTERNATIONAL3129 SURINAM AIRWAYS3130 SUN WORLD INTERNATIONAL3133 SUNBELT AIRLINES3135 SUDAN AIRWAYS3137 SINGLETONMCC MERCHANT TYPE 3138 SIMMONS AIRLINES3143 SCENIC AIRLINES3144 VIRGIN ATLANTIC3145 SAN JUAN AIRLINES3146 LUXAIR3151 AIR ZAIRE3154 PRINCEVILLE3159 PBA3161 ALL NIPPON AIRWAYS3164 NORONTAIR3165 NEW YORK HELICOPTER3170 NOUNT COOK3171 CANADIAN AIRLINES INTERNATIONAL 3172 NATIONAIR3176 METROFLIGHT AIRLINES3178 MESA AIR3181 MALEV3182 LOT (POLAND)3184 LIAT3185 LAV (VENEZUELA)3186 LAP (PARAGUAY)3187 LACSA (COSTA RICA)3190 JUGOSLAV AIR3191 ISLAND AIRLINES3192 IRAN AIR3193 INDIAN AIRLINES3196 HAWAIIAN AIR3197 HAVASU AIRLINES3200 FUYANA AIRWAYS3203 GOLDEN PACIFIC AIRMCC MERCHANT TYPE3204 FREEDOM AIR3212 DOMINICANA3215 DAN AIR SERVICES3216 CUMBERLAND AIRLINES3217 CSA3218 CROWN AIR3219 COPA3220 COMPANIA FAUCETT3221 TRANSPORTES AEROS MILITARES ECCUATORANOS 3222 COMMAND AIRWAYS3223 COMAIR3228 CAYMAN AIRWAYS3229 SAETA SOCIAEDAD ECUATORIANOS DE TRANSPORTES AEREOS3231 SASHA SERVICIO AERO DE HONDURAS3233 CAPITOL AIR3234 BWIA3235 BROKWAY AIR3238 BEMIDJI AIRLINES3239 BAR HARBOR AIRLINES3240 BAHAMASAIR3241 AVIATECA (GUATEMALA)3242 AVENSA3243 AUSTRIAN AIR SERVICE3251 ALOHA AIRLINES3252 ALM3253 AMERICA WEST3254 TRUMP AIRLINE3256 ALASKA AIRLINES3259 AMERICAN TRANS AIR3261 AIR CHINAMCC MERCHANT TYPE 3262 RENO AIR, INC.3266 AIR SEYCHELLES3267 AIR PANAMA3280 AIR JAMAICA3282 AIR DJIBOUTI3284 AERO VIRGIN ISLANDS3285 AERO PERU3286 AEROLINEAS NICARAGUENSIS3287 AERO COACH AVAIATION3291 ARIANA AFGHAN3292 CYPRUS AIRWAYS3293 ECUATORIANA3294 ETHIOPIAN AIRLINES3295 KENYA AIRLINES3298 AIR MAURITIUS3299 WIDERO’S FLYVESELSKAP3351 AFFILIATED AUTO RENTAL3352 AMERICAN INTL RENT-A-CAR3353 BROOKS RENT-A-CAR3354 ACTION AUTO RENTAL3357 HERTZ RENT-A-CAR3359 PAYLESS CAR RENTAL3360 SNAPPY CAR RENTAL3361 AIRWAYS RENT-A-CAR3362 ALTRA AUTO RENTAL3364 AGENCY RENT-A-CAR3366 BUDGET RENT-A-CAR3368 HOLIDAY RENT-A-WRECK3370 RENT-A-WRECK3376 AJAX RENT-A-CARMCC MERCHANT TYPE 3381 EUROP CAR3385 TROPICAL RENT-A-CAR3386 SHOWCASE RENTAL CARS3387 ALAMO RENT-A-CAR3389 AVIS RENT-A-CAR3390 DOLLAR RENT-A-CAR3391 EUROPE BY CAR3393 NATIONAL CAR RENTAL3394 KEMWELL GROUP RENT-A-CAR3395 THRIFTY RENT-A-CAR3396 TILDEN TENT-A-CAR3398 ECONO-CAR RENT-A-CAR3400 AUTO HOST COST CAR RENTALS3405 ENTERPRISE RENT-A-CAR3409 GENERAL RENT-A-CAR3412 A-1 RENT-A-CAR3414 GODFREY NATL RENT-A-CAR3419 ALPHA RENT-A-CAR3420 ANSA INTL RENT-A-CAR3421 ALLSTAE RENT-A-CAR3423 AVCAR RENT-A-CAR3425 AUTOMATE RENT-A-CAR3427 AVON RENT-A-CAR3428 CAREY RENT-A-CAR3429 INSURANCE RENT-A-CAR3430 MAJOR RENT-A-CAR3431 REPLACEMENT RENT-A-CAR3432 RESERVE RENT-A-CAR3433 UGLY DUCKLING RENT-A-CAR3434 USA RENT-A-CARMCC MERCHANT TYPE 3435 VALUE RENT-A-CAR3436 AUTOHANSA RENT-A-CAR3437 CITE RENT-A-CAR3438 INTERENT RENT-A-CAR3439 MILLEVILLE RENT-A-CAR3440 VIA ROUTE RENT-A-CAR3501 HOLIDAY INN EXPRESS3501 HOLIDAY INNS3502 BEST WESTERN HOTELS3503 SHERATON HOTELS3504 HILTON HOTELS3505 FORTE HOTELS3506 GOLDEN TULIP HOTELS3507 FRIENDSHIP INNS3508 QUALITY INNS3508 QUALITY SUITES3509 MARRIOTT HOTELS3510 DAYS INN3510 DAYSTOP3511 ARABELLA HOTELS3512 INTER-CONTINENTAL HOTELS3513 WESTIN HOTELS3515 RODEWAY INNS3516 LA QUINTA MOTOR INNS3517 AMERICANA HOTELS3518 SOL HOTELS3519 PULLMAN INTERNATIONAL HOTELS3520 MERIDIEN HOTELS3521 CREST HOTELS (see FORTE HOTELS) 3522 TOKYO HOTELMCC MERCHANT TYPE 3523 PENNSULA HOTEL3524 WELCOMGROUP HOTELS3525 DUNFEY HOTELS3626 PRINCE HOTELS3527 DOWNTOWNER-PASSPORT HOTEL3528 RED LION HOTELS3528 RED LION INNS3529 CP HOTELS3530 RENAISSANCE HOTELS3530 STOUFFER HOTELS3531 ASTIR HOTELS3532 SUN ROUTE HOTELS3533 HOTEL IBIS3534 SOUTHERN PACIFIC HOTELS3535 HILTON INTERNATIONAL3536 AMFAC HOTELS3537 ANA HOTEL3538 CONCORDE HOTELS3540 IBEROTEL HOTELS3541 HOTEL OKURA3542 ROYAL HOTELS3543 FOUR SEASONS HOTELS3544 CIGA HOTELS3545 SHANGRI-LA INTERNATIONAL3548 HOTELES MELIA3549 AUBERGE DES GOVERNEURS3550 REGAL 8 INNS3552 COAST HOTELS3553 PARK INNS INTERNATIONAL3558 JOLLY HOTELSMCC MERCHANT TYPE 3562 COMFORT INNS3563 JOURNEY’S END MOTLS3565 RELAX INNS3568 LADBROKE HOTELS3570 FORUM HOTELS3572 MIYAKO HOTELS3573 SANDMAN HOTELS3574 VENTURE INNS3575 VAGABOND HOTELS3577 MANDARIN ORIENTAL HOTEL3579 HOTEL MERCURE3581 DELTA HOTEL3583 SAS HOTELS3584 PRINCESS HOTELS INTERNATIONAL3585 HUNGAR HOTELS3586 SOKOS HOTELS3587 DORAL HOTELS3588 HELMSLEY HOTELS3590 FAIRMONT HOTELS3591 SONESTA HOTELS3592 OMNI HOTELS3593 CUNARD HOTELS3595 HOSPITALITY INTERNATIONAL3598 REGENT INTERNATIONAL HOTELS3599 PANNONIA HOTELS3603 NOAH’S HOTELS3612 MOVENPICK HOTELS3615 TRAVELODGE3620 TELFORD INTERNATIONAL3622 MERLIN HOTELSMCC MERCHANT TYPE 3623 DORINT HOTELS3625 HOTLE UNIVERSALE3629 DAN HOTELS3633 RANK HOTELS3634 SWISSOTEL3635 RESO HOTELS3636 SAROVA HOTELS3637 RAMADA INNS3637 RAMADA LIMITED3638 HO JO INN3638 HOWARD JOHNSON3639 MOUNT CHARLOTTE THISTLE3640 HYATT HOTEL3641 SOFITEL HOTELS3642 NOVOTEL HOTELS3643 STEIGENBERGER HOTELS3644 ECONO LODGES3645 QUEENS MOAT HOUSES3646 SWALLOW HOTELS3647 HUSA HOTELS3648 DE VERE HOTELS3649 RADISSON HOTELS3650 RED ROOK INNS3651 IMPERIAL LONDON HOTEL3652 EMBASSY HOTELS3653 PENTA HOTELS3654 LOEWS HOTELS3655 SCANDIC HOTELS3656 SARA HOTELS3657 OBEROI HOTELSMCC MERCHANT TYPE 3658 OTANI HOTELS3659 TAJ HOTELS INTERNATIONAL3660 KNIGHTS INNS3661 METROPOLE HOTELS3663 HOTELES EL PRESIDENTS3664 FLAG INN3665 HAMPTON INNS3666 STAKIS HOTELS3668 MARITIM HOTELS3670 ARCARD HOTELS3671 ARCTIA HOTELS3672 CAMPANIEL HOTELS3673 IBUSZ HOTELS3674 RANTASIPI HOTELS3675 INTERHOTEL CEDOK3677 CLIMAT DE FRANCE HOTELS3678 CUMULUS HOTELS3679 DANUBIUS HOTEL3681 ADAMS MARK HOTELS3682 ALLSTAR INNS3684 BUDGET HOST INNS3685 BUDGETEL HOTELS3686 SUISSE CHALETS3687 CLARION HOTELS3688 COMPRI HOTELS3688 COMPRI HOTELS3690 COURTYARD BY MARRIOTT3689 CONSORT HOTELS3691 DILLION INNS3692 DOUBLETREE HOTELSMCC MERCHANT TYPE3693 DRURY INNS3694 ECONOMY INNS OF AMERICA3695 EMBASSY SUITES3696 EXEL INNS3697 FARFIELD HOTELS3698 HARLEY HOTELS3699 MIDWAY MOTOR LODGE3700 MOTEL 63701 GUEST QUARTERS (Formally PICKETT SUITE HOTELS) 3702 THE REGISTRY HOTELS3703 RESIDENCE INNS3704 ROYCE HOTELS3705 SANDMAN INNS3706 SHILO INNS3707 SHONEY’S INNS3709 SUPER8 MOTELS3710 THE RITZ CARLTON HOTELS3711 FLAG INNS (AUSRALIA)3712 GOLDEN CHAIN HOTEL3713 QUALITY PACIFIC HOTEL3714 FOUR SEASONS HOTEL (AUSTRALIA)3715 FARIFIELD INN3716 CARLTON HOTELS3717 CITY LODGE HOTELS3718 KAROS HOTELS3719 PROTEA HOTELS3720 SOUTHERN SUN HOTELS3721 HILTON CONRAD3722 WYNDHAM HOTEL AND RESORTS3723 RICA HOTELSMCC MERCHANT TYPE 3724 INER NOR HOTELS3725 SEAINES PLANATION3726 RIO SUITES3727 BROADMOOR HOTEL3728 BALLY’S HOTEL AND CASINO3729 JOHN ASCUAGA’S NUGGET3730 MGM GRAND HOTEL3731 HARRAH’S HOTELS AND CASINOS3732 OPRYLAND HOTEL3733 BOCA RATON RESORT3734 HARVEY/BRISTOL HOTELS3835*MASTERS ECONOMY INNS3736 COLORADO BELLE/EDGEWATER RESORT 3737 RIVIERA HOTEL AND CASINO3738 TROPICANA RESORT AND CASINO3739 WOODSIDE HOTELS AND RESORTS3740 TOWNPLACE SUITES3741 MILLENIUM BROADWAY HOTEL3742 CLUB MED3743 BILTMORE HOTEL AND SUITES3744 CAREFREE RESORTS3745 ST. REGIS HOTEL3746 THE ELIOT HOTEL3747 CLUBCORP/CLUB RESORTS3748 WELESLEY INNS3749 THE BEVERLY HILLS HOTEL3750 CROWNE PLAZA HOTELS3751 HOMEWOOD SUITES3752 PEABODY HOTELS3753 GREENBRIAH RESORTSMCC MERCHANT TYPE3754 AMELIA ISLAND PLANATION3755 THE HOMESTEAD3756 SOUTH SEAS RESORTS4111 Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.4112 Passenger Railways4119 Ambulance Services4121 Taxicabs and Limousines4131 Bus Lines, Including Charters, Tour Buses4131 Tour Buses4214 Delivery Services – Local4214 Freight Carriers4214 Motor Freight Carriers4214 Moving and Storage Companies4214 Trucking – Local/Long Distance4215 Courier Services – Air or Ground4215 Fright Forwarders4225 Storage4225 Warehousing, Public4411 Cruise Lines4411 Steamship Lines4457 Boat Rentals and Leases4468 Marinas, Marine Service, and Supplies4511 Airlines, Air Carriers ( not listed elsewhere)4582 Airports, Airport Terminals4582 Flying Fields4722 Travel Agencies and Tour Operations4723 Package Tour Operators (For use in Germany only)4784 Toll and Bridge Fees4789 Transportation Services, Not elsewhere classified)4812 Telecommunications Equipment including telephone salesMCC MERCHANT TYPE4814 Fax services4814 Telecommunication service including local and long distance calls, credit card calls, calls through use of magnetic-strip readingtelephones and fax services4815 VisaPhone4821 Telegraph services4829 Money Orders – Wire Transfer4899 Cable and other pay television (previously Cable Services)4900 Electric, Gas, Sanitary and Water Utilities5013 Motor vehicle supplies and new parts5021 Office and Commercial Furniture5039 Construction Materials, Not Elsewhere Classified5044 Office, Photographic, Photocopy, and Microfilm Equipment5045 Computers, Computer Peripheral Equipment, Software5046 Commercial Equipment, Not Elsewhere Classified5047 Medical, Dental Ophthalmic, Hospital Equipment and Supplies 5051 Metal Service Centers and Offices5065 Electrical Parts and Equipment5072 Hardware Equipment and Supplies5074 Plumbing and Heating Equipment and Supplies5085 Industrial Supplies, Not Elsewhere Classified5094 Precious Stones and Metals, Watches and Jewelry5099 Durable Goods, Not Elsewhere Classified5111 Stationery, Office Supplies, Printing, and Writing Paper5122 Drugs, Drug Proprietors, and Druggist’s Sundries5131 Piece Goods, Notions, and Other Dry Goods5137 Men’s Women’s and Children’s Uniforms and Commercial Clothing 5139 Commercial Footwear5169 Chemicals and Allied Products, Not Elsewhere Classified5172 Petroleum and Petroleum Products5192 Books, Periodicals, and NewspapersMCC MERCHANT TYPE5193 Florists’ Supplies, Nursery Stock and Flowers5198 Paints, Varnishes, and Supplies5199 Non-durable Goods, Not Elsewhere Classified5200 Home Supply Warehouse Stores5211 Lumber and Building Materials Stores5231 Glass Stores5231 Paint and Wallpaper Stores5231 Wallpaper Stores5251 Hardware Stores5261 Nurseries – Lawn and Garden Supply Store5271 Mobile Home Dealers5300 Wholesale Clubs5309 Duty Free Store5310 Discount Stores5311 Department Stores5331 Variety Stores5399 Misc. General Merchandise5411 Grocery Stores5411 Supermarkets5422 Freezer and Locker Meat Provisioners5422 Meat Provisioners – Freezer and Locker5441 Candy Stores5441 Confectionery Stores5441 Nut Stores5451 Dairy Products Stores5462 Bakeries5499 Misc. Food Stores – Convenience Stores and Specialty Markets 5511 Car and Truck Dealers (New and Used) Sales, Service, Repairs, Parts, and Leasing5521 Automobile and Truck Dealers (Used Only)5531 Automobile Supply StoresMCC MERCHANT TYPE5532 Automotive Tire Stores5533 Automotive Parts, Accessories Stores5541 Service Stations ( with or without ancillary services)5542 Automated Fuel Dispensers5551 Boat Dealers5561 Recreational and Utility Trailers, Camp Dealers5571 Motorcycle Dealers5592 Motor Home Dealers5598 Snowmobile Dealers5611 Men’s and Boy’s Clothing and Accessories Stores5621 Women’s Ready-to-Wear Stores5631 Women’s Accessory and Specialty Shops5641 Children’s and Infant’s Wear Stores5651 Family Clothing Stores5655 Sports Apparel, Riding Apparel Stores5661 Shoe Stores5681 Furriers and Fur Shops5691 Men’s and Women’s Clothing Stores5697 Tailors, Seamstress, Mending, and Alterations5698 Wig and Toupee Stores5699 Miscellaneous Apparel and Accessory Shops5712 Furniture, Home Furnishings, and Equipment Stores, Except Appliances5713 Floor Covering Stores5714 Drapery, Window Covering and Upholstery Stores5718 Fireplace, Fireplace Screens, and Accessories Stores 5719 Miscellaneous Home Furnishing Specialty Stores5722 Household Appliance Stores5732 Electronic Sales5733 Music Stores, Musical Instruments, Piano Sheet Music 5734 Computer Software StoresMCC MERCHANT TYPE5735 Record Shops5811 Caterers5812 Eating places and Restaurants5813 Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques5814 Fast Food Restaurants5912 Drug Stores and Pharmacies5921 Package Stores – Beer, Wine, and Liquor5931 Used Merchandise and Secondhand Stores5832 Antique Shops – Sales, Repairs, and Restoration Services 5933 Pawn Shops and Salvage Yards5935 Wrecking and Salvage Yards5937 Antique Reproductions5940 Bicycle Shops – Sales and Service5941 Sporting Goods Stores5942 Book Stores5943 Stationery Stores, Office and School Supply Stores5944 Watch, Clock, Jewelry, and Silverware Stores5945 Hobby, Toy, and Game Shops5946 Camera and Photographic Supply Stores5947 Card Shops, Gift, Novelty, and Souvenir Shops5948 Leather Foods Stores5949 Sewing, Needle, Fabric, and Price Goods Stores5950 Glassware/Crystal Stores5960 Direct Marketing- Insurance Service5961 Mail Order Houses Including Catalog Order Stores, Book/Record Clubs (No longer permitted for U.S. original presentments)5962 Direct Marketing – Travel Related Arrangements Services5963 Door-to-Door Sales5964 Direct Marketing – Catalog Merchant5965 Direct Marketing – Catalog and Catalog and Retail MerchantMCC MERCHANT TYPE5966 Direct Marketing- Outbound Telemarketing Merchant5967 Direct Marketing – Inbound Teleservices Merchant5968 Direct Marketing – Continuity/Subscription Merchant5969 Direct Marketing – Not Elsewhere Classified5970 Artist’s Supply and Craft Shops5971 Art Dealers and Galleries5972 Stamp and Coin Stores – Philatelic and Numismatic Supplies 5973 Religious Goods Stores5975 Hearing Aids – Sales, Service, and Supply Stores5976 Orthopedic Goods Prosthetic Devices5977 Cosmetic Stores5978 Typewriter Stores – Sales, Rental, Service5983 Fuel – Fuel Oil, Wood, Coal, Liquefied Petroleum5992 Florists5993 Cigar Stores and Stands5994 News Dealers and Newsstands5995 Pet Shops, Pet Foods, and Supplies Stores5996 Swimming Pools – Sales, Service, and Supplies5997 Electric Razor Stores – Sales and Service5998 Tent and Awning Shops5999 Miscellaneous and Specialty Retail Stores6010 Financial Institutions – Manual Cash Disbursements6011 Financial Institutions – Manual Cash Disbursements6012 Financial Institutions – Merchandise and Services6051 Non-Financial Institutions – Foreign Currency, Money Orders (not wire transfer) and Travelers Cheques6211 Security Brokers/Dealers6300 Insurance Sales, Underwriting, and Premiums6381 Insurance Premiums, (no longer valid for first presentment work) 6399 Insurance, Not Elsewhere Classified ( no longer valid for first presentment work)MCC MERCHANT TYPE7011 Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)7012 Timeshares7032 Sporting and Recreational Camps7033 Trailer Parks and Camp Grounds7210 Laundry, Cleaning, and Garment Services7211 Laundry – Family and Commercial7216 Dry Cleaners7217 Carpet and Upholstery Cleaning7221 Photographic Studios7230 Barber and Beauty Shops7251 Shop Repair Shops and Shoe Shine Parlors, and Hat Cleaning Shops7261 Funeral Service and Crematories7273 Dating and Escort Services7276 Tax Preparation Service7277 Counseling Service – Debt, Marriage, Personal7278 Buying/Shopping Services, Clubs7296 Clothing Rental – Costumes, Formal Wear, Uniforms7297 Massage Parlors7298 Health and Beauty Shops7299 Miscellaneous Personal Services ( not elsewhere classifies) 7311 Advertising Services7321 Consumer Credit Reporting Agencies7332 Blueprinting and Photocopying Services7333 Commercial Photography, Art and Graphics7338 Quick Copy, Reproduction and Blueprinting Services7339 Stenographic and Secretarial Support Services7342 Disinfecting Services7342 Exterminating and Disinfecting Services7349 Cleaning and Maintenance, Janitorial ServicesMCC MERCHANT TYPE7361 Employment Agencies, Temporary Help Services7372 Computer Programming, Integrated Systems Design and Data Processing Services7375 Information Retrieval Services7379 Computer Maintenance and Repair Services, Not Elsewhere Classified7392 Management, Consulting, and Public Relations Services7393 Protective and Security Services – Including Armored Cars and Guard Dogs7394 Equipment Rental and Leasing Services, Tool Rental, Furniture Rental, and Appliance Rental7395 Photofinishing Laboratories, Photo Developing7399 Business Services, Not Elsewhere Classified7512 Car Rental Companies ( Not Listed Below)7513 Truck and Utility Trailer Rentals7519 Motor Home and Recreational Vehicle Rentals7523 Automobile Parking Lots and Garages7531 Automotive Body Repair Shops7534 Tire Re-treading and Repair Shops7535 Paint Shops – Automotive7538 Automotive Service Shops7542 Car Washes7549 Towing Services7622 Radio Repair Shops7623 Air Conditioning and Refrigeration Repair Shops7629 Electrical And Small Appliance Repair Shops7631 Watch, Clock, and Jewelry Repair7641 Furniture, Furniture Repair, and Furniture Refinishing7692 Welding Repair7699 Repair Shops and Related Services –Miscellaneous7829 Motion Pictures and Video Tape Production and Distribution 7832 Motion Picture TheatersMCC MERCHANT TYPE7841 Video Tape Rental Stores7911 Dance Halls, Studios and Schools7922 Theatrical Producers (Except Motion Pictures), Ticket Agencies 7929 Bands, Orchestras, and Miscellaneous Entertainers (NotElsewhere Classified)7932 Billiard and Pool Establishments7933 Bowling Alleys7941 Commercial Sports, Athletic Fields, Professional Sport Clubs, and Sport Promoters7991 Tourist Attractions and Exhibits7992 Golf Courses – Public7993 Video Amusement Game Supplies7994 Video Game Arcades/Establishments7995 Betting (including Lottery Tickets, Casino Gaming Chips, Off-track Betting and Wagers)7996 Amusement Parks, Carnivals, Circuses, Fortune Tellers7997 Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses7998 Aquariums, Sea-aquariums, Dolphinariums7999 Recreation Services (Not Elsewhere Classified)8011 Doctors and Physicians (Not Elsewhere Classified)8021 Dentists and Orthodontists8031 Osteopaths8041 Chiropractors8042 Optometrists and Ophthalmologists8043 Opticians, Opticians Goods and Eyeglasses8044 Opticians, Optical Goods, and Eyeglasses (no longer valid for first presentments)8049 Podiatrists and Chiropodists8050 Nursing and Personal Care Facilities8062 Hospitals8071 Medical and Dental LaboratoriesMCC MERCHANT TYPE8099 Medical Services and Health Practitioners (Not ElsewhereClassified)8111 Legal Services and Attorneys8211 Elementary and Secondary Schools8220 Colleges, Junior Colleges, Universities, and Professional Schools 8241 Correspondence Schools8244 Business and Secretarial Schools8249 Vocational Schools and Trade Schools8299 Schools and Educational Services ( Not Elsewhere Classified) 8351 Child Care Services8398 Charitable and Social Service Organizations8641 Civic, Fraternal, and Social Associations8651 Political Organizations8661 Religious Organizations8675 Automobile Associations8699 Membership Organizations ( Not Elsewhere Classified)8734 Testing Laboratories ( non-medical)8911 Architectural – Engineering and Surveying Services8931 Accounting, Auditing, and Bookkeeping Services8999 Professional Services ( Not Elsewhere Defined)9211 Court Costs, including Alimony and Child Support9222 Fines9223 Bail and Bond Payments9311 Tax Payments9399 Government Services ( Not Elsewhere Classified)9402 Postal Services – Government Only9405 Intra – Government Transactions9700 Automated Referral Service ( For Visa Only)9701 Visa Credential Service ( For Visa Only)9702 GCAS Emergency Services ( For Visa Only)9950 Intra – Company Purchases ( For Visa Only)。

银⾏卡MCC详解银联MCC详解及分类列表⾸先MCC，也称商户类别码。

全称是Merchant Category Code，是银⾏卡在中国境内刷卡消费的特约商户的类别代码，由中国银联统⼀设置并由各家⽀付机构及银⾏共同使⽤的分类编码，和其他特定信息⼀起组成了商家POS机的商户编号。

由收单机构为签约商户设置，⽤于标明银联卡交易环境、所在商户的主营业务范围和⾏业归属，是判断境内跨⾏交易商户结算⼿续费标准的主要依据；也是开展银联卡交易⾏业分析和报告，银联卡业务风险管理和控制的重要基础数据之⼀。

收单机构签约特约商户，应调查了解商户的实际主营业务、业务范围和经营状况，确保商户经营信誉良好、财务状况稳定。

商户编码格式（商户号格式），银⾏卡收单管理办法规定，商户号为15位：机构代码（3位）+地区代码（4位）+商户类型（4位）+商户顺序号（4位）。

（可参见《北京银联MCC及涵义详细对照表》）收单机构为特约商户设定的商户类别码必须与商户的主营业务保持⼀致。

1、商户主营业务是指对商户⽇常营业收⼊贡献最⼤的业务类型。

2、当商户营业执照采⽤列举⽅式描述时，可将经营范围第⼀项排序作为商户的主营业务；当商户营业执照未列明具体经范围时，收单机构有责任在商户资信调查中，确定商户的主营业务。

3、当商户主营业务或经营范围发⽣变更，收单机构应及时对商户重新编码。

4、对于营业执照列出多种经营范围，且收单机构选取其中最低扣率标准的业务项⽬为商户设定类别码，收单机构应能证明该业务项⽬为商户的主营业务。

延伸阅读跳码，指的是商户MCC原为5812，刷出来的MCC码变了或者不⼀致。

跳码分3种情况：1、跳公益或低费率，例如5812跳到4900（公益类）或者5411（民⽣类），对卡⽚有影响2、同类别跳，例如5812跳到7011（均为餐饮娱乐类），对卡⽚⽆影响3、平台不能定码，例如SXF，你提报的是5311，做出来是5310，对卡⽚⽆影响。

跳码查询办法：1、看⼩票商编的8-11位，2、微信关注公众号中国银联95516查询（推荐）注意：费改以后，所有MCC码费率变为0.6，银⾏评分系统没有改变，所以1.25（餐饮娱乐类）的MCC养卡效果会⽐较好，为了⽅便⼤家查找MCC，标识的还是原来的费率(1.25、0.78、0.38等，实际费率均为0.6)附各⾏业MCC列表1*餐饮娱乐类（餐饮、宾馆、娱乐、珠宝⾸饰、⼯艺美术品类）MCC码原银联费率商户类别名称5094 1.25% 贵重珠宝、⾸饰，钟表零售（批发商）5811 1.25% 包办伙⾷，宴会承包商5812 1.25% 就餐场所和餐馆5813 1.25% 饮酒场所（酒吧、酒馆、夜总会、鸡尾酒⼤厅、迪斯科舞厅）5932 1.25% 古玩店－出售、维修及还原5937 1.25% 古玩复制店5944 1.25% 银器店5950 1.25% 玻璃器⽫和⽔晶饰品店5970 1.25% ⼯艺美术商店5971 1.25% 艺术商和画廊7011 1.25% 住宿服务（旅馆、酒店、汽车旅馆、度假村等）7012 1.25% 分时使⽤的别墅或度假⽤房7032 1.25% 运动和娱乐露营地7033 1.25% 活动房车场及露营场所7298 1.25% 保健及美容SPA7297 1.25% 按摩店7631 1.25% ⼿表、钟表和⾸饰维修店7829 1.25% 电影和录像创作、发⾏7911 1.25% 歌舞厅7922 1.25% 戏剧制⽚（不含电影）、演出和票务7929 1.25% 未列⼊其他代码的乐队、⽂艺表演7932 1.25% 台球、撞球场所7933 1.25% 保龄球馆7941 1.25% 商业体育场馆、职业体育俱乐部、运动场和体育推⼴公司7992 1.25% 公共⾼尔夫球场7994 1.25% ⼤型游戏机和游戏场所7996 1.25% 游乐园、马戏团、嘉年华、占⼘7997 1.25% 会员俱乐部（体育、娱乐、运动等）、乡村俱乐部以及私⼈⾼尔夫课程班7998 1.25% ⽔族馆、海洋馆和海豚馆7999 1.25% 未列⼊其他代码的娱乐服务2*⼀般类（百货、中介、培训、景区门票等）MCC码原银联费率商户类别名称5441 0.78% 糖果及坚果商店5621 0.78% 妇⼥成⾐商店5631 0.78% ⼥性⽤品商店5655 0.78% 运动服饰商店5681 0.78% ⽪货店5691 0.78% 成⼈成⾐店5814 0.78% 便民餐饮店5941 0.78% 体育⽤品店5948 0.78% 箱包、⽪具店5972 0.78% 邮票和纪念币商店5976 0.78% 假肢店（整形外科⽤品、辅助设备）5977 0.78% 化妆品商店5992 0.78% 花店7230 0.78% 美容理发店7832 0.78% 电影院8043 0.78% 光学产品、眼镜店0742 0.78% 兽医服务0763 0.78% 农业合作0780 0.78% 景观美化及园艺服务4011 0.78% 铁路运输4119 0.78% 救护车服务4214 0.78% 货物搬运和托运—当地和长途，移动和存储公司，以及当地递送服务4215 0.78% 快递服务（空运、地⾯运输或海运）4225 0.78% 公共仓储服务－农产品、冷冻品和家⽤产品4411 0.78% 轮船及巡游航线服务4457 0.78% 出租船只4468 0.78% 船舶、海运服务提供商4582 0.78% 机场服务4789 0.78% 未列⼊其他代码的运输服务4812 0.78% 电信设备和销售（商）4816 0.78% 计算机⽹络/信息服务4821 0.78% 电报服务5211 0.78% 建材和⽊材5231 0.78% 玻璃、油漆涂料、墙纸零售5251 0.78% 五⾦商店5261 0.78% 草坪、花园⽤品商店5309 0.78% 免税商店5310 0.78% 折扣商店5311 0.78% 百货商店5331 0.78% 各类杂货店、便利店5399 0.78% 其他综合零售5422 0.78% 各类⾁类零售商5451 0.78% 乳制品店、冷饮店5462 0.78% ⾯包房、糕点商店5499 0.78% 各类⾷品店及专门⾷品零售店5532 0.78% 汽车轮胎经销商5533 0.78% 汽车零配件商店5611 0.78% 男⼦和男童服装及⽤品商店5641 0.78% 婴⼉、⼉童服装店5651 0.78% 家庭服装商店5661 0.78% 鞋店5697 0.78% 裁缝、修补、改⾐店5698 0.78% 假发商店5699 0.78% 各类服装及饰物店5712 0.78% 家具、家庭摆品、家⽤设备零售商5713 0.78% 地板商店5714 0.78% 帏帐、窗帘、室内装潢商店5718 0.78% 壁炉、壁炉防护⽹及配件商店5719 0.78% 各种家庭装饰专营店5732 0.78% 电⼦设备商店5733 0.78% ⾳乐商店－乐器、钢琴、乐谱5734 0.78% 计算机软件商店5735 0.78% ⾳像制品商店5912 0.78% 药店、药房5921 0.78% 瓶装酒零售店5931 0.78% 旧商品店、⼆⼿商品店5935 0.78% 海上船只遇难救助5940 0.78% ⾃⾏车商店5942 0.78% 书店5943 0.78% ⽂具⽤品商店、各类办公⽤品商店5945 0.78% 玩具、游戏店5946 0.78% 照相器材商店5947 0.78% 礼品、卡⽚、装饰品、纪念品商店5949 0.78% 纺织品及针织品零售5962 0.78% 旅游相关服务直销5963 0.78% 门对门销售5964 0.78% ⽬录直销商户5965 0.78% ⽬录、零售兼营商户5966 0.78% 电话呼出直销5967 0.78% 电话呼⼊直销5968 0.78% 订阅/订购直销服务5969 0.78% 其他直销商户5973 0.78% 宗教品商店5975 0.78% 助听器－销售、服务和⽤品5978 0.78% 打字机商店－销售、服务和出租5993 0.78% ⾹烟、雪茄专卖店5995 0.78% 宠物商店、宠物⾷品及⽤品5996 0.78% 游泳池－销售、供应和服务5997 0.78% 电动剃⼑商店－销售和服务5999 0.78% 其他专门零售店6010 0.78% ⾦融机构－⼈⼯现⾦⽀付6011 0.78% ⾦融机构－⾃动现⾦⽀付6012 0.78% ⾦融机构－商品和服务6051 0.78% ⾮⾦融机构－外币兑换、⾮电⼦转帐的汇票、临时⽀付凭证和旅⾏⽀票6211 0.78% 证券公司－经纪⼈和经销商6513 0.78% 不动产管理－物业管理7210 0.78% 洗⾐店7211 0.78% 洗熨服务（⾃助洗⾐服务）7216 0.78% ⼲洗店7217 0.78% 室内清洁服务（地毯、沙发、家具表⾯的清洁服务）7221 0.78% 摄影⼯作室7251 0.78% 修鞋店、擦鞋店、帽⼦清洗店7261 0.78% 殡葬服务7273 0.78% 婚姻介绍及陪同服务7276 0.78% 税收准备服务7277 0.78% 咨询服务－债务、婚姻和私⼈事务7278 0.78% 购物服务及会所（贸易、经纪服务）7295 0.78% 家政服务7296 0.78% 出租⾐物－服装、制服和正式场合服装7299 0.78% 未列⼊其他代码的个⼈服务（其他房地产服务）7299 0.78% 未列⼊其他代码的其他个⼈服务7311 0.78% ⼴告服务7321 0.78% 消费者信⽤报告机构7333 0.78% 商业摄影、⼯艺、绘图服务7338 0.78% 复印及绘图服务7339 0.78% 速记、秘书服务（包括各类办公服务）7342 0.78% 灭⾍及消毒服务7349 0.78% 清洁、保养及门卫服务7361 0.78% 职业中介、临时⼯7372 0.78% 计算机编程、数据处理和系统集成设计服务7375 0.78% 信息检索服务7379 0.78% 未列⼊其他代码的计算机维护和修理服务7392 0.78% 管理、咨询和公共关系服务7393 0.78% 侦探、保安、安全服务7394 0.78% 设备、⼯具、家具和电器出租7395 0.78% 照相洗印服务7399 0.78% 未列⼊其他代码的商业服务7512 0.78% 汽车出租7513 0.78% 卡车及拖车出租7519 0.78% 房车和娱乐车辆出租7531 0.78% 车体维修店7534 0.78% 轮胎翻新、维修店7535 0.78% 汽车喷漆店7538 0.78% 汽车服务商店（⾮经销商）7542 0.78% 洗车7549 0.78% 拖车服务7622 0.78% 电器设备维修7623 0.78% 空调、制冷设备维修7629 0.78% 电器设备、⼩家电维修7641 0.78% 家具维修、翻新7692 0.78% 焊接维修服务7699 0.78% 各类维修店及相关服务7841 0.78% ⾳像制品出租商店7991 0.78% 旅游与展览7993 0.78% 电⼦游戏供给7995 0.78% 彩票销售8011 0.78% 其他医疗卫⽣活动8021 0.78% ⽛科医⽣8031 0.78% 正⾻医⽣8041 0.78% 按摩医⽣8042 0.78% 眼科医⽣8049 0.78% ⼿⾜病医⽣8050 0.78% 护理和照料服务8071 0.78% 医学及⽛科实验室8099 0.78% 其他医疗保健服务8111 0.78% 法律服务和律师事务所服务8241 0.78% 函授学校（成⼈教育）8244 0.78% 商业和⽂秘学校（中等专业学校）8249 0.78% 贸易和职业学校（职业技能培训）8299 0.78% 其他学校和教育服务8351 0.78% ⼉童保育服务（含学前教育）8641 0.78% 市民、社会及友爱组织8661 0.78% 宗教组织8675 0.78% 汽车协会8699 0.78% 其他会员组织8911 0.78% 建筑、⼯程和测量服务8912 0.78% 装修、装潢、园艺8931 0.78% 会计、审计、务服务 '8999 0.78% 未列⼊其他代码的专业服务4722 0.78% 旅⾏社4733 0.78% ⼤型景区售票3*民⽣类（加油、超市类）MCC码原银联费率商户类别名称5411 0.38% ⼤型仓储式超级市场（快递、物流）5541 0.38% 加油站、服务站5542 0.38% ⾃助加油站5722 0.38% 家⽤电器商店4511 0.38% 航空售票4814 0.38% 电信服务，包括本地和长途电话、信⽤卡电话、磁卡电话和传真4*批发类商户MCC码原银联费率商户类别名称5013 0.78%（封顶26元）机动车供应及零配件（批发商）5021 0.78%（封顶26元）办公及商务家具（批发商）5039 0.78%（封顶26元）未列⼊其他代码的建材批发（批发商）5065 0.78%（封顶26元）电器零件和设备（批发商）5072 0.78%（封顶26元）五⾦器材及⽤品（批发商）5111 0.78%（封顶26元）⽂具、办公⽤品、复印纸和书写纸（批发商）5137 0.78%（封顶26元）男⼥及⼉童制服和服装（批发商）5139 0.78%（封顶26元）鞋类（批发商）5998 0.78%（封顶26元）其他批发商。

最全商户MCC码对照表在我们的日常生活中，无论是购物消费、旅游出行还是餐饮娱乐，每一笔支付交易都与一个神秘的代码相关联，那就是商户 MCC 码。

MCC 码，全称为 Merchant Category Code，即商户类别码，它是银行卡收单管理中的一项重要编码，用于标识商户的主营业务范围和行业类别。

了解商户 MCC 码对于消费者、商家以及金融机构都具有重要意义。

接下来，为您呈现一份最全的商户 MCC 码对照表。

一、餐饮娱乐类1、 5812：餐厅、酒楼外出就餐是我们生活中的常见场景，无论是中式餐馆还是西式餐厅，其对应的 MCC 码通常是 5812。

2、 5813：饮酒场所，酒吧、酒馆、夜总会当您在酒吧享受休闲时光，或是在夜总会尽情狂欢时，对应的MCC 码就是 5813。

3、 7911：歌舞厅喜欢在歌舞厅放松娱乐的朋友们，这里的 MCC 码是 7911。

4、 7832：电影院走进电影院观看一场精彩的电影，对应的 MCC 码为 7832。

5、 7995：彩票销售购买彩票时的 MCC 码是 7995。

二、购物消费类1、 5311：百货商店在大型百货商场挑选各种商品，其 MCC 码是 5311。

2、 5691：服装商店购买时尚服装的店铺，MCC 码为 5691。

3、 5944：珠宝首饰店选购精美珠宝首饰的地方，对应的是 5944。

4、 5977：化妆品商店女士们常去的化妆品店，MCC 码是 5977。

5、 5651：运动用品店热爱运动的朋友们在购买运动装备时，对应的 MCC 码为 5651。

6、 5541：加油站给爱车加油的加油站，MCC 码是 5541。

7、 5732：家电销售购买家用电器的商店，MCC 码为 5732。

三、旅游出行类1、 4112：铁路客运乘坐火车出行时，对应的 MCC 码是 4112。

2、 4722：旅行社通过旅行社安排旅行行程，MCC 码为 4722。

3、 7512：汽车租赁需要租车出行时，对应的是 7512。

mcc码费率MCC码（Merchant Category Code）指的是商户类别代码，它是国际上通行的一种标准编码体系。

MCC码费率则是指不同的MCC码对应的交易费率。

MCC码费率的制定对于商户和支付机构而言都具有重要意义，因此在以下内容中，将以简体中文写作方式，详细介绍MCC码费率相关的信息，同时保持条理清晰。

第一部分：MCC码的基本概念和分类1. MCC码的定义：MCC码是VISA和MasterCard等国际支付卡组织为了方便商户分类而制定的一种标准编码。

每个MCC码代表特定的商户行业或业务类型，以便于支付机构对不同类型的商户进行费率管理。

2. MCC码的分类依据：MCC码根据不同的商户行业或业务类型进行分类，包括但不限于餐饮、零售、电子商务、旅游等。

每个行业都有对应的MCC码，方便支付机构针对不同行业的商户进行管理。

第二部分：MCC码费率的制定原则和影响因素1.费率制定原则：MCC码费率的制定通常遵循以下原则：行业风险、交易成本、市场竞争、利润考量等。

具体费率制定原则可能因支付机构和地区而异。

2.影响因素：MCC码费率的制定受多个因素的影响，包括但不限于以下几个方面：商户的风险评估、交易量、交易金额、货币种类、地域等。

不同的因素对于MCC码费率的制定可能有不同的影响。

第三部分：MCC码费率的具体情况和实施方法1. Mcc码费率的具体情况：MCC码费率通常由支付机构或相关机构制定，根据MCC码为商户指定相应的费率，这些费率通常以百分比的形式计算。

2. Mcc码费率的实施方法：具体MCC码费率的实施方法可能会因不同支付机构而有所不同，但通常包括以下几个步骤：商户选择MCC 码、支付机构核实MCC码、支付机构根据商户的交易情况计算费率、商户按照费率支付相应的手续费。

第四部分：MCC码费率的重要性和对商户的影响1.对支付机构的重要性：MCC码费率的制定对支付机构而言具有重要意义，可以根据商户的行业特性和风险情况进行差异化的费率管理，有助于提高风控能力和盈利能力。

99﹪⼈都不知道的信⽤卡知识，MCC是什么玩意？什么是MCCMCC，全称是Merchant Category Code，是银⾏卡在中国境内刷卡消费的特约商户的类别代码，由中国银联统⼀设置并由各家⽀付机构及银⾏共同使⽤的分类编码，和其他特定信息⼀起组成了商家POS机的商户编号。

MCC码不同有什么利害关系？众所周知，在中国，消费者采⽤刷卡⽀付通常是不需要⽀付额外的⼿续费的，这个⼿续费都是由商家来承当，⽽这个费⽤最终将由发卡⾏，收单⾏和银联三⽅共同分润。

⼀般的⼿续费率有0.38%、0.78%、1.25%三种，⽽MCC码最直接的作⽤就是划分商家的服务类型并最终决定商家为每笔刷卡交易所⽀付的⼿续费率，也因此被发卡银⾏拿来决定当次交易是否产⽣积分回馈的依据，这部分也可以说为贡献了。

想象⼀下，银⾏作为商业机构发⾏信⽤卡，⽬的不⽤猜就知道是为了盈利。

⽽银⾏的信⽤卡产品盈利⽅式⽆⾮为以下⼏种：消费、预借现⾦、⼿续费、分期、预期、最低还款等。

其中，消费是占⽐最⼤的⼀块，⽽消费的盈利⽅式就是靠收取⼿续费，消费0.38%费率跟消费1.25%费率哪个能让银⾏赚到更多钱？知道其中的利害关系了吧？下图即是⼀张常见的POS签购单MCC分辨秘诀刷卡消费的POS签购单上的商户编号（MERCHANT ID），通常由15位阿拉伯数字组成，⽽右边倒数第5-8位，即是代表着商家类型的MCC码，例如上图中的商户编号 104481258125448⾥⾯的5812即是MCC码，表⽰【就餐场所和餐馆】，⽬前其费率是1.25%，也就是你每⽀付100元，将会扣除商家1.25元。

这个是属于⽐较⾼的⼿续费率，因此⽬前所有的银⾏对类似这种餐饮类交易都给于积分回馈、多倍积分甚⾄现⾦回馈。

此外，部份POS签购单的商户编号可能⼩于15位数，但是正常都应该⾄少有12位数，其实只是把前3位的收单⾏编号省略了，从⼩票的抬头⼀般是可以看出收单⾏属于什么组织的。

其他⼩于12位的编号为⾮正规编号，⼀般很少见，在这⾥快捷君就不再讨论。